5 Questions Banks Should Ask Before Accepting Digital Credentials
The FinCEN ruling opens the door to digital credential acceptance, but banks need answers to five infrastructure questions before they walk through it.
SpruceID Blog
Thoughtful perspectives on identity, interoperability, and the systems that turn public policy into usable services.
How VDC Acceptance Changes Bank Account Opening
The FinCEN ruling allows banks to accept digital credentials across in-person, remote, and digital channels. Here is what the account opening process looks like in each.
Why Wallet Choice and Interoperability Matter in SEDI
Meaningful wallet choice requires more than publishing an open standard. Credentials, wallets, and verifiers must work across organizational and vendor boundaries through governance and conformance, not just specifications.
What Is ISO/IEC 18013-5, and How Does the mDL Standard Actually Work?
ISO/IEC 18013-5 is the technical foundation that allows a mobile driver’s license issued in one state to be trusted in another.
Accepting a Credential Is Not the Same as Verifying It
Reading data fields from a digital credential is not verification. Without cryptographic validation of the issuer's signature, revocation status, and device binding, a digital credential offers less assurance than a physical ID.
What Would It Actually Take for a State to Implement SEDI?
Adopting SEDI-style legislation is only the beginning. States need governance, trust infrastructure, credential issuance, wallet interoperability, conformance processes, and a deployment strategy across agencies.
How Intelligent Document Processing Is Changing Government Intake
Intelligent document processing can dramatically reduce manual review time for government agencies. But extracting data from documents is not the same as verifying it. The trust problem requires a different solution.
What Does a Bank Need From a State to Verify Its mDL?
When a bank receives a mobile driver's license from another state, it needs to verify the issuer's signature. That requires trust infrastructure most banks don't have yet.
Digital Identity Without Surveillance: Understanding SEDI's No-Phone-Home Principle
Utah's SEDI statute prohibits architectures where the issuer can observe every credential presentation. Enforcing that requirement means choosing verification designs where the data is never generated in the first place.
What Is a Trust Framework, and How Does It Decide Who Can Issue and Verify Digital Credentials?
The future of interoperable digital identity depends on more than shared formats and protocols, it depends on the governance layer that defines trust, accountability, and assurance.
Who Authorized This Agent to Pay?
When agents initiate payments, the receiving system needs more than authentication. It needs proof of who authorized the transaction, what spending authority was granted, and whether that authority is still valid.
The SEDI Duty of Loyalty, Explained
SEDI's Duty of Loyalty moves beyond notice and consent by establishing affirmative obligations toward individuals whose identity data is processed. It draws on academic proposals for fiduciary-like duties in privacy law.
