A user-centric device-agnostic self-sovereign identity wallet for fraud prevention

EarthID是一家总部位于英国的网络安全，金融科技和Web3.0重点中小企业，由一位女性联合创始人/首席执行官领导，两位联合创始人都是印度裔。核心项目团队由Priya Guliani（牛津/麻省理工学院认证的IT/区块链/领导力专业人士）和Shiv Aggarwal（认证企业架构师，区块链/SSI专家）组成。EarthID的愿景是通过自我主权身份的力量推动社会，金融和数字包容，与7/17联合国可持续发展目标保持一致。由Rajarajan教授领导的学术团队在数据隐私，网络安全，去中心化身份和区块链方面拥有20年的研究和商业化专业知识。2020年，全球身份欺诈成本为383.8亿英镑（Javelin-Strategy-Research，2021）。2021年，报告了22.6万起身份欺诈案件，增长了22%，占所有欺诈案件的63%（国家欺诈数据库，2022年）。为了防止身份盗窃/欺诈，金融机构在客户尽职调查过程中花费了大约4280万英镑。主要金融机构花费高达4.4625亿英镑来保护客户数据（汤森路透，2022年）。为了减少身份盗窃和相关的财务、声誉和情感影响，需要一种具有成本效益的防欺诈解决方案。从平等-多样性-包容的角度来看，现有的解决方案依赖于高端智能手机，为社会经济背景较低的人创造了访问障碍。EarthID正在开发Space-Wallet，这是一流的具有成本效益、设备不可知、防欺诈、便携、可重复使用、以用户为中心的解决方案，符合World-Wide-Web-Consortium标准的、基于云的、分散式ID钱包，可实现数字ID/凭证的管理。Space-Wallet将使组织能够以防欺诈和具有成本效益的方式发布，请求和验证用户的凭据，同时为用户提供数据所有权和隐私。Space-Wallet将与EarthID屡获殊荣的平台集成，受益于其行业领先的功能。Space-Wallet将通过防止身份欺诈（高达90%），消除人为干预，重复使用验证数据和无纸化处理，帮助组织节省高达40%的费用和80%的时间。它还将通过提供与设备无关的解决方案来消除数字鸿沟。Space-Wallet将消除基于纸张的身份管理流程，从而显著减少行业的碳足迹。EarthID的Space-Wallet将帮助组织防止身份欺诈，推动合规，优化成本并促进可持续发展，同时赋予用户数据所有权，隐私权和同意权。

EarthID is a UK-based cybersecurity, fintech and Web3.0 focussed SME, led by a female co-founder/CEO and both co-founders of Indian ethnicity. The core project team comprises of Priya Guliani (Oxford/MIT-certified IT/blockchain/leadership professional) and Shiv Aggarwal (certified enterprise-architect, blockchain/SSI expert). EarthID's vision is to drive social, financial, and digital inclusion through the power of Self-Sovereign-Identity, aligned with 7/17 UN's Sustainable-Development-Goals.The academic-team, led by Professor Rajarajan, brings 20-years research and commercialisation expertise in data-privacy, cybersecurity, decentralised-identity, and blockchain.In 2020, the global cost of identity-fraud was £38.38B (Javelin-Strategy-Research,2021). In 2021, there were 226K cases of identity-fraud reported, an increase of 22%, which accounted for 63% of all fraud cases (National-Fraud-Database,2022). To prevent identity-thefts/frauds, financial institutions spend approximately £42.8M on customer-due-diligence processes. Major financial institutions spend up-to £446.25M protecting customer-data (Thomson-Reuters,2022). A cost-effective, fraud-proof solution is needed to reduce identity-thefts and associated financial, reputational, and emotional impact.From equality-diversity-inclusion standpoint, existing solutions rely on high-end smartphones, creating accessibility-barrier for people from lower socio-economic background.EarthID is developing Space-Wallet, a first-in-class cost-efficient, device-agnostic, fraud-proof, portable, reusable, user-centric, World-Wide-Web-Consortium compliant, cloud-based, decentralised-ID wallet that enables management of digital ID/credentials. Space-Wallet will enable organisations to issue, request and verify users' credentials in a fraud-proof and cost-efficient manner, while offering users data-ownership and privacy. Space-Wallet will be integrated with EarthID's multi award-winning platform, benefiting from its industry-leading capabilities.Space-Wallet will help organisations save up to 40% in expenses and 80% of their time through the prevention of identity-frauds (up to 90%), elimination of human-intervention, reuse of verified-data and paperless-processing. It will also remove the digital-divide by offering a device-agnostic solution. Space-Wallet will eliminate paper-based identity management processes, thereby reducing industry's carbon-footprint significantly.EarthID's Space-Wallet will help organisations prevent identity-frauds, drive compliance, optimise costs and foster sustainability, while empowering users with data ownership, privacy, and consent.