Product · Beta By Madihum

The trust layer every
payment ecosystem
now needs.

One system. Every identity type — governed, verified, and revocable in seconds.

👤 Human 🏢 Vendor ⚙ Machine 🤖 AI Agent
TrustID
Policy Engine
👤
Human
🏢
Vendor
Machine
🤖
AI Agent
#1
Entry route for financial services breaches — compromised credentials, every time
$4.88M
Average breach cost when identity controls fail · IBM Cost of Data Breach 2025
100:1
Non-human to human identity ratio in cloud-native payment systems — most ungoverned
Seconds
TrustID revocation time across all connected applications — not hours
22%

of all data breaches begin with stolen or compromised credentials — the #1 initial access vector across financial services.

Source: Verizon DBIR 2025

Chokepoint Risk

In connected payment ecosystems, one compromised identity cascades simultaneously to every dependent application and vendor — shared blast radius, no containment boundary.

No shared rulebook across the chain

Each provider, vendor and merchant enforces its own identity checks independently. A credential revoked in one system stays active in others — there's no visibility into the combined exposure or blast radius across the ecosystem.

One weak link, shared blast radius

A compromised vendor credential or stale access token at one node propagates risk to every party connected through the same access rails. There is no containment boundary between providers — the kill chain proceeds unimpeded.

KYC and access are disconnected

Identity verification and access control are handled by separate teams, separate vendors, separate databases. Risk signals from verification never reach the access layer — unverified or suspended entities retain active permissions.

One system. Four things it does.
Every identity, one live policy.

TrustID gives you a single control plane across every identity touching your payment ecosystem — customers, vendors, machines and agents — all governed by one policy, revocable in seconds.

Verify

Every identity checked once — customer, vendor, machine or agent. The verified status travels inside every access token automatically. No gaps, no re-checks across providers.

Govern

Access rules defined once, centrally. Every connected application enforces the same policy via a lightweight plugin — no bespoke access logic built per vendor, no fragmented rulebooks.

Enforce

Policy applied at every API call — not just at login. Sensitive actions trigger step-up authentication mid-session. Friction only when risk demands it.

Contain

One signal — compromised credential, suspended vendor, flagged KYC — revokes access everywhere in seconds. The blast radius stops at the first alert.

Applies to all four identity types — human users, vendor organisations, machine/service accounts, and AI agents — under one policy engine, one audit trail, one revocation model.

One verified identity. One live policy.
Enforced at every API call.

Access rules defined once centrally — applied automatically across every connected application, for every identity type.

Step 01
Identity Sources
Every identity type, one entry point
👤
Human
Staff · customers · partners
🏢
Vendors
Fintechs · merchants · providers
APIs
Service accounts · infrastructure
🤖
AI Agents
Autonomous pipelines · workflows
Step 02 — Core
TrustID Policy Engine
One policy. Every identity.
Verify
KYC status embedded in every access token
Govern
Access rules defined once, enforced everywhere
🛡
Enforce
Policy applied at every API call, not just login
Contain
One signal revokes access everywhere in seconds
Step 03
Connected Applications
Lightweight SDK. No bespoke logic per app.
🏦
Your Apps
Policy enforced via lightweight SDK
🔗
Vendor Portal
Self-service onboarding · live in days
🔐
Step-up Auth
Risk-triggered mid-session · no re-login
🔌
Payment APIs
Token verified at every call, not just at login
Step 04
Audit & Risk Exposure
Every event logged. Always visible.
🔑
Auth Events
Every login, challenge and session start
📋
Policy Decisions
Allow / deny at every API call, logged with context
🚫
Revocation
Full chain of custody for every token event
📊
KYC Lifecycle
Onboarding, tier changes, suspension — timestamped
Integration Works with your existing login provider Plugs into your KYC vendor Covers humans, machines & AI agents No rip-and-replace · Live alongside what you already have

Human and non-human identities —
both are chokepoints. TrustID governs both.

Credential theft is the leading cause of breaches in financial services. In a connected ecosystem, ungoverned identities — human or machine — are the entry points every attacker exploits first.

Identity Nodes at Risk
👤 Human Identities

Staff, customers, and partner personnel — each holding credentials that can be stolen, reused, or left active long after they should have been revoked.

⚙ Non-Human Identities

Service accounts, APIs, AI agents, and automated pipelines — outnumbering human identities 100:1 and almost entirely ungoverned in most payment ecosystems.

⚠ The Chokepoint

One compromised identity cascades instantly to every connected system. The blast radius is shared — and without a single revocation layer, it's uncontained.

How Attacks Enter
Stolen or stale credentials
The most common entry point in financial services. Credentials compromised at one node open the door across the entire connected ecosystem.
Forged access tokens
Attackers who obtain or manipulate access tokens can impersonate users or services — bypassing re-authentication entirely at every downstream system.
Ungoverned machine access
Over-permissioned, non-rotated service accounts are among the most exploited vectors — with no human watching, they stay active indefinitely.
Vendor access without visibility
Third-party partners hold access that was provisioned once and never reviewed. When a vendor is compromised, the attack travels through every shared rail.
TrustID Controls
✓ Verified identity gates every access
No unverified identity can access a payment function. KYC status is embedded in every token — automatically, at every request.
✓ One signal revokes everywhere
A compromised credential, flagged KYC result or suspended vendor triggers immediate revocation across all connected applications — in seconds.
✓ Machines governed like humans
Service accounts and AI agents get cryptographic identities with active lifecycle management — the same policy, the same audit trail.
✓ Every event audited
Every access decision and identity change is logged in a structured, audit-ready format. Full visibility across the ecosystem.

Everyone else solves one piece.
TrustID unifies all of it.

Login providers, KYC vendors and vendor-risk tools each cover a slice — none combine identity verification, vendor lifecycle management and real-time access control in one live system.

IAM Platforms

Access without verification.

Traditional IAM tools control who logs in — but they don't know whether that identity is actually verified. KYC and access live in separate systems, and risk signals from verification never reach the access layer. TrustID connects the two, embedding verification status into every token so access and trust stay in sync.

Point KYC Solutions

Verification in isolation.

KYC tools verify at the point of onboarding — but if a vendor's status changes, their access doesn't. Verification and access remain disconnected. TrustID bridges them: a change in KYC status propagates instantly to access control, across every connected application, without manual intervention.

Machine & Agent Identity

The fastest-growing blind spot.

Service accounts, APIs, and AI agents now outnumber human identities 100:1 — and most existing tools weren't built to govern them. TrustID applies the same policy to every identity type. Machines and agents get cryptographic identities, the same RBAC model, and the same revocation capability as any human user.

Access Revocation

Fragmented tools mean slow revocation.

When identity is spread across multiple tools, revoking access after a breach means reaching each system separately — while the clock is ticking. TrustID provides a single revocation point. One signal closes access everywhere in seconds, shrinking the blast radius before it can compound across connected providers.

The result: one live, revocable token carrying identity, KYC tier, vendor scope and auth strength — updated in real time, enforced at every API call across the ecosystem.

Not an IT project — a business enabler
with a return on four fronts

TrustID reduces direct cyber risk exposure, accelerates partner revenue activation, cuts the operational cost of identity sprawl, and builds in the controls that protect the business.

Cyber risk exposure, controlled

Chief Risk Officer & CISO

Every ungoverned access point is an active risk vector. TrustID gates access by verified identity in real time. A compromised credential, a flagged KYC result or a suspended vendor triggers instant revocation across every connected application in seconds. The exposure window closes before the kill chain advances.

Partner revenue, activated faster

CEO & Chief Revenue Officer

Every week a partner spends waiting to onboard is a week they cannot transact. TrustID replaces manual vetting with a self-service portal and automated identity verification — partners go live in days, under governance from day one. You retain full control while the ecosystem scales.

Risk posture, always visible

Chief Risk Officer & General Counsel

TrustID's structured audit trail — every login, RBAC decision, token event, KYC outcome, vendor lifecycle change — gives risk teams real-time visibility into who has access, what they can do, and when something changed. Controls that protect the business also provide the evidence when needed.

One control plane, not twenty

COO & Chief Technology Officer

Managing identity across multiple providers and applications today means fragmented tools, fragmented policies, fragmented visibility. TrustID replaces that with one registry, one access policy engine, one audit trail — and no bespoke access logic rebuilt per provider or per team.

Three places TrustID
governs the perimeter

The attack surface doesn't stop at your edge. Every third-party connection extends it. TrustID ensures your identity governance travels with every vendor, partner and automated system.

🏢 Third-Party Provider Access

Fintech partners and vendors, governed from day one

Fintech partners, payment providers and vendors onboard through a self-service portal — identity-verified with defined access permissions from day one. You define the policy, vendors connect through TrustID but cannot self-provision or escalate their own access. A lightweight plugin enforces the rulebook at every API call, whether the vendor is a large payment processor or a single-person fintech.

⚙ Machine & Agent Governance

Service accounts and AI agents under the same model as humans

Service accounts, automated pipelines and AI agents are governed under the same access model as human users — cryptographic credentials, the same audit trail, the same revocation rules. Addresses the fastest-growing and most ungoverned access gap in cloud-native payment systems.

🔐 Step-Up Authentication

Strong authentication when risk demands it — zero friction at baseline

High-value payment actions trigger a mid-session challenge (face scan, passkey or security key) — without requiring a full re-login. Risk-appropriate friction that doesn't interrupt normal flows. Ensures sensitive actions always require a live, verified signal — not just a cached session.

Currently in Beta

Beta validation so far

  • Vendor onboarding completes in days, not weeks — manual vetting queue eliminated
  • New applications go live in under a day via SDK once identity provider is configured
  • Unified RBAC policy replaces per-provider access logic across all test applications
  • Single audit trail covers KYC, login and policy decisions — previously split across separate tools

Results are directional, from a design-user group validating end-to-end flows. Specific before/after figures are being captured for general availability.

Built on standards — plugs into what you already have

TrustID works alongside existing identity providers and KYC vendors. No rip-and-replace. No vendor lock-in. Everything built on open standards your stack already speaks.

Identity Standards
OIDC · OAuth 2.0 · JWT
Compatible With
Your existing login, KYC & authentication providers

One Trust Layer.
Every Identity.

TrustID is open for early-access partnerships. Get in touch and we'll set you up with a sandbox environment and a structured pilot scope.

Request Early Access Learn About Madihum