✔️ One KYC/KYB → reusable credentials across banks, PSPs, wallets.
✔️ PQC-enabled DID & Verifiable Credentials (Ed25519 + Dilithium2).
✔️ Embedded in ISO 20022 messages with selective disclosure (no PII on rail).
✔️ Benefits: cut compliance costs up to70%, faster onboarding, fraud reduction.
✔️ Revenue: SaaS/API pricing (per issuance, verification, revocation).


✔️ ISO20022-native rail for high-speed conversion and settlement.
✔️ Real-time pay-in/pay-out for wallets and remittance apps.
✔️ Future-ready: scales to CBDC/RTGS-grade infrastructure in 2–3 years.
✔️ Benefits: interoperability, quantum-safe audit trail, regulator alignment.
✔️ Revenue: transaction fees and institutional licensing.
