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.
The FinCEN Ruling Proves Digital Identity Is Financial Infrastructure
When federal banking regulators recognize verifiable digital credentials for customer identification, digital identity stops being a government IT project and becomes financial infrastructure.
How to Design HR1 Verification Without Creating a New Identity Barrier
Identity proofing, authentication, evidence verification, and eligibility determination are four different functions. States designing HR1 systems should separate them to protect program integrity without creating new barriers.
Why States Are Paying Attention to SEDI
The central digital identity question for states is shifting from whether residents can prove who they are online to what rules should govern the identity ecosystem itself. Utah's SEDI framework offers one answer.
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.
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.
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.
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.
