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Cracking the Identity Code: The Identity Crisis in a Borderless Financial System

Today’s financial system is global and digital—but its compliance infrastructure is stuck in the past. These problems aren’t isolated to banks or exchanges. It’s a structural failure in how identity is managed across financial ecosystems. Solving it will take more than getting exchanges compliant—it will require a new layer of infrastructure: a portable, legal, and reusable digital identity that works across institutions, jurisdictions, and payment networks.
Digital Identity
Ian Macallister
August 7, 2025
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