four decision surfaces
One rail, four places to use it.
Start with a narrow decision, bind it to the right holder or
organization, and leave an inspectable receipt. The cards describe the product intent;
their status labels describe what is demonstrable today.
private verification
Prove an age threshold, not a date of birth.
A private-presentation reference path demonstrates an
over-threshold proof and a verifier-scoped result. A wallet-backed route can request
an age claim with holder binding. They solve related problems, but they do not make
the same privacy promise.
Reference and wallet-demo paths
The private proof is reference-grade; wallet compatibility does
not by itself establish issuer trust, cross-site unlinkability, or a production
holder-device deployment.
wallet-bound controls
Step up the person before the payment.
Bind a decision to a device-held key, user authentication, and
the transaction it authorizes. The reference flows make holder binding and step-up
visible rather than treating a successful login as sufficient authority.
Reference verification and sample payment flows
The payment surface verifies signed sample authorization data;
this site does not move money. Regulated payment roles, bank connectivity, and a
production SCA programme require separate participants and governance.
organizations and agents
Delegate authority without handing over the whole identity.
Prove an organizational role with a minimally disclosed
credential, then issue a narrower, signed authority to an agent. Spend caps and
denials can be decided at action time and retained as auditable records.
Test-ecosystem and reference delegation
The organizational proof uses demonstration credentials and a
test trust context. It is not a production vLEI lifecycle, an accredited issuer, or
an endorsement by GLEIF, EBSI, or a standards body.
JointRisk / GFTN reference
Put fraud and early-loss signals under one governed decision.
The JointRisk control room separates fraud and early-credit-loss
assessments while sharing an accountable feature layer. It records a signed,
transaction-bound approve, step-up, or decline decision before the simulated action.
Synthetic-data control-room demo
It is not a calibrated bank model, a live GFTN deployment, or a
claim about payment-fraud reduction. No bank, customer, or GXS production data is
used in the reference scenario.