SpruceID

Identity proofing, authentication, evidence verification, and eligibility determination are four different functions. States designing HR1 systems should separate them to protect program integrity without creating new barriers.

Zero trust for government services means more than network segmentation. At the data layer, systems need to verify the provenance and integrity of information without trusting the network or system that delivered it.

The central digital identity question for states is shifting from whether residents can prove who they are online to what rules should govern the identity ecosystem itself. Utah's SEDI framework offers one answer.

Digital credentials prove facts, digital wallets protect and share them. Keeping those roles separate is what makes secure, interoperable identity possible.

The FinCEN ruling says banks can accept digital credentials. But accepting is not the same as verifying. Most banks lack the cryptographic infrastructure to validate what they receive.

Utah's SEDI framework enumerates 11 rights for individuals, from selective disclosure and freedom from surveillance to wallet choice and physical identity protections. Here is what each right means in practice.

Federal regulators have confirmed banks can accept mobile driver's licenses for customer identification. For the 22 states with mDL programs, this ruling creates a new adoption driver beyond TSA checkpoints.

Material Event filed 2026-09-16

An identity gateway lets government agencies accept digital credentials from multiple wallets, formats, and issuers through a single standards-based integration point.

Government services assume the person interacting is the person acting. AI agents challenge that assumption, creating new questions about authorization, identity proofing, and auditability.

FinCEN and four federal banking regulators have jointly confirmed that government-issued verifiable digital credentials, including mobile driver's licenses, qualify as documentary identification under the CIP Rule.