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PASSID Credentials  ·  PASSID Verify  ·  Institution-controlled decisioning ● PassID Connect  ·  Customer-permissioned data access  ·  Hosted consent UI ● Signed claims  ·  Scoped tokens  ·  Audit metadata ● Multiple integration models  ·  One consent and audit layer ● PASSID Credentials  ·  PASSID Verify  ·  Institution-controlled decisioning ● PassID Connect  ·  Customer-permissioned data access  ·  Hosted consent UI ● Signed claims  ·  Scoped tokens  ·  Audit metadata ● Multiple integration models  ·  One consent and audit layer ●
Production platform — approved institution access

The financial credential layer for the global economy.

Turn consented financial history into signed, reusable credentials. Verify only what you need. Keep every decision in your own system.

Create Workspace Open Wallet
PassID
09:41
Verifier 24 Identity 8 Income 6 Assets 5 Cash Flow 5
PASSID
/api/v1/bridge/verify
income_verified
TRUE
VerifiedData minimised
identity_verified
TRUE
VerifiedUser-controlled
credential_freshness
48h
VerifiedData minimised
raw_bank_feed
NOT SENT
InstitutionNo raw data
Audit trailInstitution keyIdempotencyWebhookTimestampedExportable
CredentialsSecurely verified
YouIn control
InstitutionsTrusted & verified
PermissionsYou decide

You choose the data boundary. PASSID enforces the approved scopes; your institution owns policy and final decisions.

Built on trusted infrastructure
Stripe
Didit
One financial history

One financial history. Multiple proofs.

Every PASSID credential is built from the same signed, user-permissioned history — organized into five proof categories institutions can request independently, and nothing more.

🪪
Identity
Verified identity and sanctions status, without a raw ID scan.
💰
Income
Multi-source income stability, band, and consistency.
🏦
Assets
Balance resilience and savings behavior over time.
📊
Cash Flow
Spending discipline and payment reliability signals.
💼
Employment
Tenure, continuity, and employer-verified signals.
How PASSID works

Four steps from user consent to institution verification.

Users connect financial sources, PASSID creates signed credential claims, users share scoped tokens, and institutions verify the claims inside their own systems.

PASSID Credential Infrastructure
connect account → issue credential → verify credential
STEP 01
🏦
User connects financial sources
The user connects supported financial sources with consent. PASSID reads the signals needed to create claims.
Flow 01
STEP 02
🔐
PASSID creates signed claims
PASSID normalizes user-permissioned signals into a signed, portable credential with freshness and revocation metadata.
Flow 02
STEP 03
🧠
User shares a scoped token
The applicant chooses what to share and hands the institution a scoped PASSID token.
Consent
STEP 04
⚡
Institution verifies and decides
The institution verifies signed claims, freshness, revocation, and audit metadata without receiving raw financial data feeds.
Flow 03
Banks → Credentials
Signals → PASSID Credential
PASSID → Verification
Why institutions use PASSID

Verify financial trust without unnecessary raw data exposure.

PASSID helps banks, fintechs, lenders, insurers, landlords, and platforms accept signed, revocable, auditable credential claims while keeping onboarding, risk, and compliance decisions inside their own systems.

01
Reduce manual statement and document review
02
Improve onboarding for newcomers, students, migrants, gig workers, and thin-file users
03
Use signed claims with freshness, revocation, and audit metadata
04
Keep decisioning, policy, and compliance ownership in-house
Banks & lenders Fintechs & platforms Students Migrants Gig workers Cross-border See all solutions →
Choose your integration

One platform. Different ways to integrate.

Start with the workflow and data boundary your institution needs. Products can run independently or combine behind one customer consent and audit trail.

↗
Hosted experience
PassID Connect

PASSID hosts customer authentication, institution disclosure, scope review, consent, and return to your application.

Best whenYou want the fastest integration and PASSID to own the customer authorization UI.
 ↗
Embedded integration
APIs & SDKs

Keep your existing customer experience while using PASSID sessions, consent controls, webhooks, and server-side APIs.

Best whenYour institution owns the frontend and needs infrastructure-level integration.
 ↗
Claims-only evidence
Credentials & Verify

Issue or verify portable signed claims with freshness, revocation, signature status, and audit metadata—without a raw financial feed.

ReturnsOnly approved credential claims and verification metadata.
 ↗
Permissioned data
Financial Data Access

Request approved account, balance, liability, or transaction scopes when your workflow requires underlying financial data.

ReturnsOnly the specific data scopes and duration the customer approved.
 ↗
Operations
Institution Workspace

Manage customers, applications, consent, cases, reviews, API keys, webhooks, billing, and audit evidence in one workspace.

Best whenOperations and compliance teams need a managed control surface.
 ↗
Sandbox live · No live funds
PassID Pay

Payment and payout orchestration built around verified identities, consented destinations, institution controls, and portable transaction evidence.

AvailabilityInteractive sandbox available. Production payment rails remain limited to approved use cases and licensed providers.
Technology

Built like infrastructure.
Not like a dashboard.

PASSID is built for open-banking style financial data connections and transforms verified financial signals into portable, verifiable credentials.

Every architectural decision serves verifier trust: signed claims, freshness, revocation, and auditability.

01
Proof Metadata
Credential responses include proof type, issuer signature status, freshness, provenance, and revocation metadata for verifier policy checks.
02
Freshness + Revocation
Credential expiry and revocation endpoints let institutions check whether a presented credential is still usable at verification time.
03
AML + Sanctions Screening
Verification workflows can include OFAC, EU, and UN list checks, PEP identification, and audit records for institution review.
04
Governance Review Support
Pilot partners can review claim performance, exception rates, revocation behaviour, and corridor-level outcomes using institution-defined governance criteria during the live-access review process.
05
Minimal Verifier Payloads
Verifiers receive scoped claim summaries and verification metadata rather than financial statements or transaction feeds.
🏢
Signal Sources
PSD2 · Account aggregators · Mobile money
INPUT
Encrypted data ingestion
⚙️
passid-core
5-pillar signal model · AML · Bias check
COMPUTE
Credential proof package
🔒
passid-issuer
Issuer signature · Proof metadata · Revocation
ISSUE
Signed portable credential
📡
passid-verifier
REST API · claim verification · audit-ready
VERIFY
Signed claims + audit metadata
🏛️
Institution System
Policy workflow · Scope-enforced outputs
DECIDE
Compliance & Security

Built for regulated financial institutions.

Every design decision serves the same goal: making credential verification easier for compliance, risk, and engineering teams to review.

🛡️
AML & Sanctions
Screening outputs can be included in credential verification workflows for institution review.
OFAC SDN list
EU Consolidated list
UN Security Council list
PEP identification
🔒
Privacy by Design
Verifier payloads are designed around scoped claims rather than raw statements.
No raw financial statements in verifier response
Claim-level consent
GDPR-aligned architecture
Right to revoke credential
⚖️
Governance Review
Pilot partners can review claim performance and outcome distribution using their own institution-defined governance criteria.
Claim accuracy review
Exception rate review
Model drift monitoring
Pilot outcome reporting
Production access

Built for production rollouts before production rollout.

PASSID is designed for institutions that want to test credential verification with sandbox credentials, scoped claims, audit metadata, and a clear sandbox-to-live review before any production deployment. No commitment before you have reviewed the results.

Test a sandbox verification
Or email hello@passid.io to discuss your use case.
Pilot validation areas
01
Sandbox token testingVerify flow
02
Claim schema reviewData model
03
Revocation and lifecycle testingToken control
04
Audit log and metadata reviewCompliance
05
Exception and edge-case handlingRisk review
06
Live-access approval and go-live reviewProduction
PASSID
Thank you — we'll be in touch.