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A few of us may have a COVID credential QR code we keep in our images, and Apple just added the ability to add your vaccine card via QR code in iOS 15. Now what about digital identity? Despite digital identity’s necessity to do most anything on the internet, we don’t have any digitally native identification cards yet.
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Does it make sense to integrate a volatile, experimental stock portfolio with the mature payment transaction industry? Especially since crypto wallet UI is practically nonexistent. The crypto space is the newest entry to the scene (despite being around for over a decade) and the experimentation isn’t stopping anytime soon, despite KYC and other regulations. When the use case of using cryptocurrencies for daily transactions evaporated (at least in countries with a robust national currency) it shifted into a store of wealth assets – and attracted a lot of traditional money folks. Whereas traditional FinTech companies are traditionally risk averse and less likely to experiment, the crypto industry is all about experimentation down to challenging the basic philosophical beliefs of what money is. Crypto Wallet, Stock Market?Ĭrypto wallets are less about day to day transactions and more like stock portfolios since crypto prices fluctuate and we may want to buy or sell depending on the price.Ĭryptocurrency is the other side of the same payments coin. No matter what flavor of credit card you have, they interoperate with each other’s systems. These are not different credit cards, they are the same credit card that I have ‘onboarded’ to each payment platform, or in other words, wallet. Depending on your hardware platform, you can activate a credit card to use on your phone for contactless payments.
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Credit cards are accepted on all these channels, plus I can physically use them. I use Venmo, Zelle and Paypal to pay my handyman, for flowers at the farmers market, and to send friends cash. In 2022, digital payments are fairly mature. Does it make sense to integrate all these use cases into a single ‘wallet’? And then you have cryptocurrencies, which have some transaction characteristics, but in my wallet, they resemble more a stock portfolio than a payment method or kind of identification. Digital identity companies see an opportunity to aggregate your digital identities and identity data. Payment companies see an opportunity to get into the digital identity space. And yet, there are three separate industries racing to create “One (digital) wallet to rule them all.”
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While the cards conform to a standard shape, what is on them and how I use them is very different.
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(I’m not kidding.) Some cards have personally identifiable data on them, others hold a balance for public transit or permit access to a national park free of charge until this summer. But what do these items really have in common? One ID card was issued by the California DMV, another ID card was issued by Santa. In my physical wallet, my credit cards, driver’s license, health insurance card, public transit cards, vaccination card, and yearly pass to Joshua Tree are co-mingled.