The Problem
Billions remain outside the formal financial system for one core reason: no trusted, portable identity. Paper forms, in-person branch visits, and "prove it again" checks block people at the first step, especially when they move across cities or borders.
The result is stalled access to basics like a savings account, small loans, or simple insurance.
The Solution
A privacy-first Human ID that satisfies requirements—without paperwork, prior accounts, or exposing personal data.
A quick, palm-based Proof of Humanity establishes that a single, living person is present. With user permission, Mastercard’s Open Banking (permissioned financial data rails) can validate the minimal financial details a provider needs (e.g., income range met, active cardholder, repayment history present) and convert them into cryptographic, yes/no credentials linked to the Human ID.
Providers see only the eligibility signal, never raw statements, pay-slips, or personally identifying documents.
How It Works
Verify once
A quick palm scan issues a Human ID - your reusable proof that you’re a unique, real person.Generate compliance-friendly proofs (with consent)
Through Mastercard’s Open Banking rails, the specific checks a provider requests are validated and turned into zero-knowledge credentials. Examples:"Meets basic income threshold" for an entry-level line of credit.
"Has active payment instrument" to enable a savings wallet.
"Residency verified" to unlock a local micro-insurance product.
Apply anywhere, online or in person
Banks, fintechs, and DeFi apps request the credential and receive a real-time "eligible / not eligible" answer plus validity dates. No uploads, no waiting days for manual review.Reuse across borders and services
The same Human ID travels with you and you can use it to open savings, apply for credit, buy insurance, or access payments in new regions without starting over.
Benefits & Results
Instant inclusion - Open an account or apply for credit in minutes, not weeks; no branch paperwork or prior banking relationship required.
Privacy by design - Prove only what’s needed (e.g. threshold met) while keeping statements, employer details, and personal documents private.
Lower onboarding costs - Real-time cryptographic checks replace manual document reviews and call-backs, so providers can serve more people at lower cost.
True portability - One Human ID and a small set of reusable credentials work across banks, wallets, remittance apps, and compliant DeFi services.
Fair access at scale - From a starter savings wallet to responsible credit and insurance, people can build a financial footprint on their own terms.
