PASSID converts open banking signals into cryptographically-signed credentials. No raw financial data is transmitted. Institutions verify in one API call — the decision stays with you.
Four layers — financial sources, credential issuance, trust computation, and a verifier API — working together so institutions can accept portable proof without ever seeing raw data.
When you cross a border, your credit history stays behind. Migrants are often the most financially disciplined people in the world — but they are treated as ghosts by the financial system.
PASSID changes the primitive. Instead of asking what the bureau says, we ask what verified financial behaviour says.
Choose a solution path to see exactly how PASSID works for that audience, why it matters, and where they enter the product.
Five steps. One API call. Under 200 milliseconds.
PASSID is not a data API. It is a consent-first credential protocol. Institutions request specific claims. Users approve from their wallet. Zero-knowledge proofs mean no raw data moves — ever.
PASSID is credential infrastructure, not a lender dashboard. Institutions integrate once and verify portable credentials across corridors.
Each corridor has dedicated open banking integrations, currency-normalised income analysis, and corridor-specific risk calibration.
PASSID uses Plaid for secure account connectivity and transforms verified financial signals into portable, verifiable credentials.
Every architectural decision serves institutional trust — not demo aesthetics.
Model trained on 1.4 million migrant financial profiles. Validated against bureau outcomes across 6 corridors.
Existing solutions port a foreign bureau file to a local lender. PASSID doesn't move a bureau file — it verifies financial behavior directly from open banking and issues a cryptographic credential. No bureau history required.
PASSID is API-first. One endpoint, standard JSON, SDK in your preferred language. Your team can be verifying portable credentials the same afternoon.
Every design decision serves the same goal: making PASSID the most trusted infrastructure your compliance team has ever reviewed.
We are running a structured pilot. Your team gets sandbox access, full documentation, a dedicated integration engineer, and direct access to the founders. You verify PASSID credentials and route verified claims into your own models and policies.
Request pilot accessInstead of sending statements, screenshots, and fragmented PDFs, the user submits a compact proof package. PASSID verifies origin, evaluates rules, and returns a yes-or-no decision with policy metadata attached.
1.4 billion mobile money users and hundreds of millions of cross-border workers carry real financial track records. Legacy credit systems cannot read them. The result: invisible borrowers for institutions — and locked-out users who have already proved themselves.
International students, migrant professionals, and globally mobile workers often arrive with savings history, repayment discipline, and active bank relationships — but traditional scoring systems fail to recognize any of it.
Instead of relying only on a domestic bureau file, institutions receive normalized behavior signals: income consistency, balance resilience, remittance patterns, savings cadence, and verified institutional attestations.
PASSID gives institutions a decision-ready trust layer: verifiable, privacy-aware, and extensible via API. That means higher conversion on thin-file customers and cleaner, faster product expansion into underserved global segments.
curl https://api.passid.io/v1/credentials/cred_01HZ4M6Q9A2D7J5K8N3P4R6T8Y \ -H "X-Institution-Key: pk_live_..."
{
"id": "cred_01HZ4M6Q9A2D7J5K8N3P4R6T8Y",
"status": "active",
"issuedAt": "2026-04-05T12:20:14.000Z",
"claims": {
"fsi_score": 812,
"tier": "B",
"income_verified": true,
"payment_reliability": 0.91
}
}