zkOBS - Open Banking Services

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zkMe's zkTLS capability enables users to bring their personal data (e.g. credit scores, social network statuses) to the chain. Web3 protocols can then use this data to create tailored features that meet users' needs and preferences. For instance, a DeFi protocol can determine loan eligibility based on Credit Scores, while a social network can recommend content based on social network status. With zkMe's Identity Oracle, a more personalized and efficient digital world is made possible for each user.

Credentials for Open Banking Verification

Category	Credentials	Description
Credit Worthiness	Proof-of-Credit Score (PCS)	• Credit Score
Investor Qualification	Proof-of-Accredited-Investor (PAI)	• Income last 2 years • Tax Report
Account Ownership	Proof-of-Account-Ownership (PAO)	• Brokerage Account Ownership • Bank Account Ownership
Account Assets	Proof-of-Account-Assets (PAA)	• Brokerage Account Assets • Bank Account Assets
Account Transactions	Proof-of-Account-Transactions (PAT)	• Brokerage Account Transactions • Bank Account Transactions

Want to explore more use cases? Check out our other credential suites at Catalog - All Credentials.

Key Benefits

Build more secure, privacy-preserving, and trustworthy protocols with zkMe.

Trusted identity data

• Unlocks richer protocol functionality by enabling identity-based logic.

• Enables computational trust for people-powered networks: identity attributes can be issued as claims (attestations) and composed into verifiable proofs.

• Facilitates reputation systems without exposing sensitive identity details.

Protect users' privacy

• Identity reputation can be cryptographically verified on-chain in a privacy-preserving way, enabling trustless execution without revealing raw data.

• Eliminates the need for intermediaries, users interact directly with smart contracts.

• Supports privacy-preserving validation with smart contracts or NFTs, maintaining composability while protecting personal information.

Why choose zkMe?

• Private-by-Design: Built with zero-knowledge proofs at its core to ensure maximum privacy for users and protocols.

• Reliable: Proven technology used across production environments and trusted by industry leaders.

• Multi-chain Support: Compatible with EVM, SVM, Move, and Cosmos ecosystems — enabling true interoperability.

• Seamless API Integration: Instantly connects to any Web2 or Web3 data source via flexible and modular APIs.

• Scalable: Designed to handle millions of verifications with low latency and minimal cost.

How does it work?

zkMe transforms sensitive off-chain data through zkTLS into verifiable zero-knowledge credentials that can be used across chains and dApps. The process happens entirely client-side, ensuring that no personal data is ever exposed or stored.

1. User retrieves data from a Web2/Web3 source (e.g. CreditKarma, Discord, Steam)

2. zkTLS proof is generated locally on the user’s device

3. Credential is issued on-chain as a verifiable SBT or off-chain claim

4. Protocols verify the claim without ever seeing the raw data

zkMe Web Data Attestation Use Cases

• Undercollaterized Lending: Develop a credit scoring system for decentralized finance (DeFi) applications. This system could allow individuals to obtain credit loans without the need for traditional credit checks or collateral.

• Self-Sovereign Social Media: Enable trustless interactions between users, as no party needs to rely on a central authority to verify the other's claims. This promotes a more secure and decentralized environment.

• Private DAO Management: Allow DAO members to cast their votes without revealing their identity or choice, maintaining the privacy of voters while still ensuring the integrity of the voting process. This can lead to more honest and unbiased voting outcomes. Enable domain-expertise reputation systems in DAOs. Members can prove their expertise in a particular domain (e.g., development, finance, legal, etc.) without revealing their full identity. DAOs can implement merit-based governance models, where members with proven expertise in specific areas have more influence over decision-making.

• Cross-Game Status: Enable players to prove their gaming status, such as level, achievements, or rank, without revealing their identity or additional information. This protects player privacy and ensures that sensitive data remains secure while interacting with in-game economies or other players.

• Secure Asset Ownership: Establish the ownership of in-game assets, like non-fungible tokens (NFTs), without exposing the owner's identity. Players can prove they own specific assets without revealing their account details, thus maintaining privacy and reducing the risk of targeted attacks or theft.

• Trustless Trading and Marketplace: Facilitate trustless trading of in-game assets and currencies in decentralized marketplaces. Buyers and sellers can prove the authenticity and ownership of assets without revealing their identity, enabling secure and private transactions.

• Skill-Based Earnings: Reward users based on their skills or achievements, zkMe Identity Oracle can help verify players' gaming status without compromising their privacy. Players can prove they have reached certain milestones or possess specific skills to access rewards and opportunities, all while keeping their personal information secure.