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MVP / design

Identity Layer

Resolve a person without exposing their internal financial routing.

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Public-safe projection#

IdentityProvider.profile returns display name, username, initials, verification state and permitted relationship metadata. Full legal identity and routing remain internal to the mock service.

Discovery and confirmation#

Search honors discoverability and phone opt-in. Proximity tokens expire and can be used once. RelationshipService records one approval from each participant.

Production requirements#

Replace fictional verification with an approved identity and KYC process. Bind identities to authenticated sessions, verified provider accounts and controlled destination changes. Device-owner confirmation alone is not legal identity verification.

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