Identity ecosystem expert Lucy Yang dives into the paradigm shift in which a financial institution can verify the validity and authenticity of customer’s legal identity a credential without needing to call back the issuing authority at every interaction. The old model to call back to an authoritative API for every transaction is a legacy behaviour that creates global data liability and systemic fragility. By adopting the Three-Party Model, when necessary, we achieve something far more valuable than simple interoperability: we achieve resilience. By decoupling the source of truth from the proof of identity, we are solving the paradox of global scale versus local control. As we look toward a future where businesses and AI agents will require the same verifiable trust as natural persons, is your organisation ready to operate in a less intermediated world?