The Problem
Applying for credit usually means handing over payslips and bank statements, documents that can be forged, lost, or misused.
Lenders need to know if you qualify, but you shouldn’t have to surrender your privacy to prove it.
The Solution
Mastercard + Humanity Protocol replace document uploads with a real-time, zero-knowledge income check.
Your Proof of Humanity confirms you’re a unique, living person. Then, Mastercard’s permissioned financial data rails (Open Banking) validate your income and convert it into a cryptographic yes/no proof linked to your Human ID. No raw statements or employer details are exposed and it works across traditional banks and DeFi platforms alike.
How It Works
Verify once - You scan your palm to receive your Proof of Humanity credential.
Generate the income proof - With your consent, Mastercard’s Open Banking securely reads the necessary financial data and issues an income eligibility credential (zero-knowledge), tied to your Human ID.
Apply anywhere - Lenders request the proof; they see only "meets threshold" (and validity), not amounts or accounts.
Stay in control - You can refresh or revoke access at any time. No PDFs, screenshots, or data silos.
Benefits & Results
Instant decisions - real-time checks replace manual reviews.
Privacy first - no payslips or statements shared.
Lower fraud - cryptographic proofs beat paperwork.
Portable access - the same proof works across banks, fintechs, and DeFi lenders globally.
Fairer credit - qualified applicants aren’t penalized by paperwork friction.
