The Problem
Loyalty today means sign-ups, forms, and inbox spam, then repeating the process at every new merchant.
Data grab & privacy risk - email, phone, and purchase histories end up in siloed databases.
Fragmented experiences - dozens of logins and plastic cards for simple perks.
Coupon abuse & bots - codes leak, farms auto-claim rewards, and real customers miss out.
Slow personalization - offers can’t adapt in real time without exposing what you bought.
The Solution
Your Human ID becomes a private key for instant rewards, no accounts, no data exhaust.
With Mastercard + Humanity Protocol, a quick, palm-based Proof of Humanity confirms a real person is present. Then, using Mastercard’s permissioned financial data rails (Open Banking) and your consent, eligibility is checked in real time (e.g., "cardholder", "tier met", "offer qualified") and turned into a cryptographic yes/no credential shared with the merchant without revealing who you are or what you spent.
Travel perks, cashback, early access to drops: personalized, private, and portable across Mastercard partner merchants online and in-store.
How It Works
Verify once
You scan your palm to receive a privacy-preserving Proof of Humanity in your wallet.Generate eligibility proofs (with consent)
Through Mastercard’s Open Banking rails, relevant program criteria are validated (e.g., "eligible card on file", "spend threshold met", "region match"). Mastercard converts this into zero-knowledge eligibility credentials tied to your Human ID, with no raw transaction data shared.Redeem at checkout
At the POS or online cart, the merchant requests the credential. They see only "eligible" (plus validity), not your identity or history. Rewards apply automatically.Programmable & portable
Offers update in real time; credentials can be refreshed or revoked by you. The same Human ID unlocks perks across participating merchants, without wasting time on new accounts.
Benefits & Results
No sign-ups - unlock rewards instantly without creating yet another profile
Privacy first - merchants never see pay-slips, bank statements, or itemized spend.
Less fraud - one verified person per redemption; bots and leaked codes lose value.
Higher conversion - real-time, personalized perks at the moment of purchase.
Works everywhere - the same private credentials power in-store and online checkout.
