The problem today is that no agreed set of standards exists. We have widely disparate views of what these should be. Everybody has their own favourites. In one camp, we have people who believe the future is a completely new set of digital identity technologies: blockchains, DIDs, new cryptographic algorithms, and the DIDComm protocol stack (which is really little more than S/MIME with onion routing), and those like myself who believe we should build the verifiable credential digital identity eco-system on today’s existing ubiquitous standardised protocols and cryptography, such as X.509, OpenID Connect, W3C Web Authentication (FIDO2) and JWTs.


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Tech Times: Visa Payment Passkey Goes Live at Five India State Banks: OTP Attack Surface Eliminated

India’s five-decade-old authentication habit — waiting for a six-digit code on a phone — got…

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FinTech Futures: Sibos 2026: Digital finance in an AI-driven economy – when the agent does the buying, who owns the customer?

By shaping the standards of identity, control, and compliance today, financial institutions can ensure they…

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Payments Dive: FIDO wrestles with agentic trust

The industry consortium and payments players are considering standards for agentic commerce, particularly for verifying…

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