In an increasingly interconnected world, digital transactions are rapidly replacing traditional ones.
Financial transactions across borders require secure digital identity verification
Medical information sharing demands trusted digital profiles
Educational verification relies on authenticated digital identities
Locating and trusting an individual's digital profile will be the essential first step for every digital transaction worldwide.
Limited interoperability between providers make it challenging to locate and share customer data.
Proxies help ease friction domestically, but not across providers or across borders.
Hard for providers to verify identify, costly to trust
Increases costs for service providers
Limits access for users unable to meet high barriers to entry
For individuals, private data is spread across several honey pots
Lack of ownership, with no ability to leverage previous "trust credit"
Governed by the PASS Alliance, PASS is an interoperable, secure, global network of digital systems designed to expedite the lookup and verification of any digital profile in the world.
Digital transfers are cheaper
than cash-based transfers
Digital methods currently
require more steps than cash
Proxies can streamline
the digital experience
While sending cash remains the easiest option for many, it comes at a premium cost. The challenge lies in simplifying digital transfers to match the convenience of cash-based alternatives.
By leveraging popular domestic proxy systems, we can create a more intuitive cross-border payment experience that maintains the cost advantages of digital solutions while eliminating unnecessary complexity.
Proxy identifiers link transaction accounts to simple, memorable identifiers, enabling seamless payments without requiring bank details when initiating transfers or scanning QR codes.
Offers basic addressing with limited capabilities beyond resolution.
A novel mechanism connecting proxies to digital wallets, overcoming limitations of traditional proxies which point to one piece of data.
Enables several uses cases: payments, age verification, proof of residence, and sharing of sensitive data (health records, etc).
Facilitates conditional routing based on trust parameters and user preferences.
Need to modernise
existing trust mechanisms
LEIs can digitise institutional trust
Must connect disparate
trust sources
PASS aims to create
a trust standard
Phone number, SIM ID, Device ID, Biometrics
Generates unique ZKP blob
User-controlled storage
Via biometrics or seed phrases
Distributed immutable identification service that provides a user complete control over their identity and data
Making your existing digital identity tamper-proof using network effects
Data storage is fragmented across the network — distribute pixels: only your biometric can recreate
Full authority over personal identity and data sharing, with granular permission settings
PASS members (issuers) issue digitally signed verifications
(telcos, corporates, banks, tax authorities, etc.)
Score + issuer (LEI) + ZKP-linked blob
Users control trust history disclosure
Like eBay rating but cryptographically secure
It's like the early days of email. At first, it didn't seem different from a fax. But over time, it changed everything.
Building foundation for trust
Connecting all end-points
Making trusted data portability as easy as messaging
And integrates best-in-class open-source technologies to create a unified trust framework:
W3C Verifiable Credentials, DIDs, SpruceID, and Hyperledger Aries provide the foundation for portable digital identities.
Zero-knowledge systems (zkSync, Semaphore) and OpenZeppelin's smart contracts ensure tamper-proof, private attestations.
IPFS, OAuth 2.0/OIDC, FAPI, Kubernetes, and Terraform enable secure, scalable deployment and interoperability.
By leveraging these open-source technologies, PASS creates a decentralized yet cohesive ecosystem where trust can flow seamlessly across organizations, borders, and use cases.
Siloed initiatives limited to banking only
One proxy for health, travel, finance, and beyond
PASS creates an open protocol like SMTP for email (interoperability and participation for all providers without discrimination)
Today's private sector initiatives remain isolated and non-interoperable, focusing solely on banking connections. PASS offers a decentralized standard allowing anyone to participate across multiple Industries, e.g. Health care, Travel, etc.
Digital payment services remain isolated islands.
Users trapped in closed ecosystems without ownership.
Like an internet where Gmail users can't email other email addresses.
Popular services like Venmo and PayPal serve millions but function as closed systems. This creates artificial barriers to global financial inclusion. Without an open protocol, even large private initiatives will maintain corporate control over user identities and limit true interoperability.
Fintech entrepreneur with 15+ years leading inclusive finance initiatives globally (ex-UNCDF, GSMA). Author of The Power of Micro Money Transfers and Generation Hope. Led UNCDF team as G20 TechSprint finalists in 2023
20+ years in financial technology, specializing in cybersecurity, identity, and payments architecture. Former SWIFT global head of API, identity and security, and Deutsche Bank executive
15+ years shaping policy and regulatory environments to advance digital infrastructure for inclusive growth, including digital ID. Former advisor at Tony Blair Institute and Meta.
Technology strategist and digital transformation leader with 20+ years experience driving innovation in financial services. Former IBM executive and regional CTO for Latin America and Advisor BIS Innovation Hub
Our leadership team brings together comprehensive expertise in digital trust, interoperability, open finance, and regulatory frameworks—essential elements for building a global trusted data protocol.
A non-profit governance body overseeing the PASS network, establishing global standards for digital trust.
Similar to how:
Get in at ground zero and lead the global revolution
Help develop the core PASS service layer and standards
Payments, age verification,
address verification, etc.
Improve efficiency and reduce costs while supporting inclusion globally
The PASS Alliance