What’s the Difference Between a Digital Wallet and a Digital Credential?
Digital credentials prove facts, digital wallets protect and share them. Keeping those roles separate is what makes secure, interoperable identity possible.
SpruceID Blog
Thoughtful perspectives on identity, interoperability, and the systems that turn public policy into usable services.
Can a Bank Actually Verify a Mobile Driver's License?
The FinCEN ruling says banks can accept digital credentials. But accepting is not the same as verifying. Most banks lack the cryptographic infrastructure to validate what they receive.
The SEDI Digital Identity Bill of Rights, Explained
Utah's SEDI framework enumerates 11 rights for individuals, from selective disclosure and freedom from surveillance to wallet choice and physical identity protections. Here is what each right means in practice.
What the FinCEN VDC Ruling Means for State mDL Programs
Federal regulators have confirmed banks can accept mobile driver's licenses for customer identification. For the 22 states with mDL programs, this ruling creates a new adoption driver beyond TSA checkpoints.
What Is an Identity Gateway?
An identity gateway lets government agencies accept digital credentials from multiple wallets, formats, and issuers through a single standards-based integration point.
When an AI Agent Acts on Behalf of a Resident
Government services assume the person interacting is the person acting. AI agents challenge that assumption, creating new questions about authorization, identity proofing, and auditability.
FinCEN Confirms Banks Can Accept Digital Credentials. Now They Need to Verify Them.
FinCEN and four federal banking regulators have jointly confirmed that government-issued verifiable digital credentials, including mobile driver's licenses, qualify as documentary identification under the CIP Rule.
Utah SB 275 Explained: What the SEDI Law Actually Does
Utah's SB 275 creates a legal framework for state-endorsed digital identity with 11 enumerated rights, a Duty of Loyalty, and open standards requirements. Here is what the law actually establishes.
AI Agents Have an Authorization Problem, Not Just an Identity Problem
Knowing who an agent represents is not enough. Enterprises need to know what that agent is allowed to do, with authority that is granular, portable, and revocable.
From PDF Uploads to Verifiable Evidence: Modernizing Benefits Documentation
A digital upload portal improves document transmission but does not eliminate verification work. For high-volume evidence types, structured verifiable evidence can reduce manual interpretation while improving provenance.
SEDI vs. Mobile Driver's Licenses: What's the Difference?
An mDL is a digital credential. SEDI is the framework governing how credentials, wallets, issuers, and verifiers interact. Understanding the difference matters for states building digital identity infrastructure.
What Is Identity Proofing? A Guide for Government IT Leaders
Identity proofing establishes that a person is who they claim to be. For government services, the level of assurance required depends on the risk, and getting that calibration right shapes every downstream decision.
