Identity Decision System · AI & Security · Beta

Every Identity Is a Trust Decision.

Human, vendor, machine, AI agent — governed, verified, and revocable from one place.

TrustID is an identity decision system for financial ecosystems. Every time a human or non-human identity requests access — a customer login, a vendor API call, a machine credential, an AI agent action — TrustID makes an intelligent, policy-enforced decision in real time. A live cyber risk engine maps every decision to the MITRE kill chain, scores your chokepoints, and calculates blast radius.

TrustID makes a real-time, policy-enforced access decision for every human and non-human identity in your ecosystem.

👤 Human 🏢 Vendor ⚙ Machine 🤖 AI Agent
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One Compromised Identity. One Shared Chokepoint. Unlimited Consequences.

Financial services no longer operate as isolated institutions. They operate as interconnected ecosystems — banks, fintechs, merchants, payment providers, cloud platforms, APIs, machines, and AI agents, all connected. Every new connection introduces a new identity. Every new identity introduces a new trust decision.

22%
of all data breaches begin with stolen or compromised credentials — the #1 initial access vector.
Verizon DBIR 2025
$4.88M
average breach cost when identity controls fail.
IBM Cost of Data Breach 2025
100:1
non-human to human identity ratio in connected enterprise environments — most entirely ungoverned.
 

Credential abuse (MITRE ATT&CK T1078) is the most frequent initial access technique — in a connected ecosystem, the blast radius is shared by everyone.

No shared rulebook

Each provider, vendor and merchant enforces its own identity checks. A credential revoked in one system stays active in every other.

No containment boundary

A compromised vendor credential propagates instantly through every connected rail — with nothing to stop the spread.

KYC and access, disconnected

A vendor fails a KYC check. Their system access stays active. Nobody is notified. The exposure is live.

The Identity Decision System for Financial Ecosystems

Traditional identity platforms answer one question: Who are you? TrustID answers three: Who are you? Should you have access right now? If trust changes, what should happen next?

Verify

Every identity verified via KYC/KYB. Status travels in every token as a 4-tier claim.

Govern

One RBAC policy for every identity type, applied identically everywhere.

Enforce

Policy enforced at every API call — token validated on every request, no bypass.

Observe

Every event mapped to the MITRE kill chain — chokepoints scored, blast radius calculated.

Respond

One signal triggers instant revocation across every connected asset — no human queue.

The only decision system that unifies identity verification, access governance, policy enforcement, continuous risk observation, and instant response — for every human and non-human identity, built for financial ecosystems.

Not an IT project — a business enabler.

TrustID reduces cyber risk exposure, accelerates partner revenue activation, and replaces fragmented identity tooling with one control plane.

CISO · Cyber risk, controlled

A compromised credential, flagged KYC result or suspended vendor triggers instant revocation across every connected application — before the kill chain advances.

CRO · Partner revenue, activated faster

Self-service onboarding and automated verification mean partners go live in days, under governance from day one.

General Counsel · Risk posture, always visible

One structured audit trail — logins, policy decisions, KYC outcomes — gives risk teams real-time visibility and audit-ready evidence.

COO & CTO · One control plane, not twenty

One registry, one policy engine, one audit trail — full operational clarity without rebuilding access logic per team.

Authenticate. Govern. Access. Score.

Four steps — from identity authenticating to risk being scored — every time, for every identity type.

1

Authenticate & Policy

Identity in, signed token out
Credentials PresentedPassword, FIDO2, MFA, or machine certificate
Policy EvaluatedAuth policy, KYC tier, access rules
JWT IssuedCarries role, KYC tier, scope, and expiry
Step-Up TriggerTriggered automatically when risk demands it
2
Core Step

Assets Store

The mandatory access gateway — no bypass.

Exclusive GatewayEvery identity accesses every asset exclusively through the Assets Store
Token ValidatedOn every API call, not just at login
Invalid or Expired401 returned, access revoked across all assets
External AssetsAccessed via OIDC federation or Secrets Vault
3

Asset Serves Request

App · API · Agent responds within scope
Request ServedWithin policy-defined permissions
No BypassNo asset reachable without a valid, policy-issued token
Business ProcessExecutes under the owning business unit
4

Risk Engine & Audit

Every event scored and logged
Event LoggingStructured and logged in real time
MITRE MappingAttack patterns surfaced automatically
Risk ScoringChokepoints scored, blast radius calculated, posture updated
SIEM OutputStructured event stream sent to your SIEM
Connects to your existing IDP (Azure AD, Okta, Auth0)
Plugs into your KYC vendor
Covers humans, machines & AI agents
No rip-and-replace
Ready to see this in your environment? Request Early Access →

Every identity is a door. Most are unlocked.

Ungoverned identities — human or machine — are the entry points attackers exploit first. The problem isn't just stolen credentials. It's that most ecosystems have no way to contain the damage when one identity is compromised.

Human IdentitiesCredentials stolen, reused, or left active.
Non-Human IdentitiesOutnumber humans 100:1, largely ungoverned.
The ChokepointOne compromise cascades, blast radius shared.
How attacks enter
T1078
Valid credential abuse

Stolen or stale credentials used at one node open access across the entire ecosystem. The #1 initial access technique.

T1134
Access token manipulation

Attackers forge or hijack tokens to impersonate users or services, bypassing re-authentication downstream.

T1078.001
Default service accounts

Over-permissioned, non-rotated machine credentials stay active indefinitely — used for lateral movement.

T1550
Alternate authentication material

API keys, session cookies, or pass-the-hash used to authenticate without credentials, targeting vendor rails.

TrustID controls
Verified identity gates every access

No unverified identity can access any protected function — KYC status embedded in every token.

One signal revokes everywhere

A compromised credential or suspended vendor triggers revocation across every application in seconds.

Machines governed like humans

Service accounts and AI agents get cryptographic identities with the same policy and audit trail.

Every event audited

Every access decision and identity change is logged in a structured, audit-ready format.

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

You're probably already using some combination of these. Here's what each one leaves ungoverned. No existing platform combines a governed access gateway, KYC-layered policy, and a live risk engine — for every identity type.

IAM Platforms
Access without risk intelligence
Traditional IAM controls who logs in but has no KYC layer, no chokepoint scoring, and no MITRE mapping. TrustID adds a risk engine on top of access control.
CIAM Platforms
Customers only
CIAM tools govern customer-facing identity well but leave vendors, machines, and AI agents entirely ungoverned. TrustID covers every identity type under one policy.
Point KYC Solutions
Verification without access
KYC tools verify at onboarding, but a status change never reaches the access layer. TrustID propagates KYC changes to every asset in real time.
SIEM & Risk Platforms
Visibility without control
SIEM tools surface risk signals but cannot act on them — no policy engine, no revocation. TrustID detects and contains in the same platform.
PAM & NHI Tools
Machines only
PAM tools govern privileged accounts but don't extend the same model to AI agents, vendors, or first-party customers. TrustID applies one policy across every identity type.
Built for the financial ecosystem. Not adapted to it.
One governed gateway. One policy engine. One risk score. No other platform covers the full stack — from first-party customer login to AI agent access to MITRE-mapped risk — in a single decision system built for financial ecosystems.

Three places identity decisions matter most

Every third-party connection extends your attack surface. TrustID travels with every vendor, partner and automated system.

Third-Party Access · Vendors, governed from day one

Partners onboard through a self-service portal, identity-verified with defined permissions — unable to self-provision or escalate access.

Machine & Agent Governance · Same model as humans

Service accounts and AI agents get cryptographic credentials, the same audit trail, the same revocation rules as any human user.

Step-Up Authentication · Friction only when risk demands it

High-value actions trigger a mid-session challenge — no full re-login. Sensitive actions always require a live, verified signal.

Early results from design partners

TrustID makes a policy-enforced identity decision on every access request. Here's what that looks like in practice.

Days, not weeks

Vendor onboarding completes in days, not weeks.

Under a day

New applications go live in under a day via SDK.

Unified RBAC

Replaces per-provider access logic.

One audit trail

Covers KYC, login, and policy decisions.

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

OIDCOAuth 2.0SAML 2.0JWT

One Decision System. Every Identity.

TrustID is open for two kinds of early-access engagement. Get in touch — we'll scope the right path together.

Track A — Enterprise Deployment

For financial institutions governing their own vendor and partner ecosystem. We run a structured three-phase pilot in an isolated environment — no impact on live systems. Scope, validate, then roll out in controlled waves.

Start a Pilot →

Track B — Strategic Partnership

For consultancies, SIs, and technology platforms embedding TrustID in what they deliver to clients. Co-innovation pilot, joint technical validation, shared go-to-market.

Explore a Partnership →
Direct access to the founders
Response within one business day
contact@madihum.com
Built by Madihum

One Product. One Foundation. A Bigger Vision.

TrustID is the first foundational product from Madihum — which builds the AI and security infrastructure modern financial ecosystems need. As financial ecosystems become AI-native and interconnected, the number of human and non-human identities requesting access grows exponentially — and the cost of a wrong decision grows with it. TrustID is the decision system built for that reality.

Learn about Madihum →