Just an FYI: In the US, 5.6 million households are unbanked.
https://www.fdic.gov/news/press-releases/2024/fdic-survey-fi...
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The basic premise is to leverage your bank (who already has had to perform KYC on you to open an account) to attest to your age for age-restricted merchant sites (pornhub, gambling, etc) without sharing any more information than necessary.
Flow works like this:
1) You go to gambling.com
2) They request you to verify your age
3) You choose "Bank Verification"
4) You trigger a WebAuthn Credential Creation flow
5) gambling.com gives you a string to copy
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6) You log into your bank
7) You go to bank.com/age-verify
8) You paste in the string you were given
9) The bank verifies it/you and creates a signed payload with your age-claims (over_18: true, over_21: false)
10) You copy this and go back to gambling.com
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11) You paste the string back into gambling.com
12) You perform WebAuthn Auth flow
13) gambling.com verifies everything (signatures, webauthn, etc)
14) gambling.com sets a session-cookie and _STRONGLY_ encourages you to create an account (with a pass key). This will prevent you from having to verify your age every time you visit gambling.com
The mechanics might feel off, but it feels like this in the neighborhood of a way to perform anonymous age verification.
This is virtually free, and requires extremely light infra. Banks can be incentivized with small payments, or offer it because everyone else does and don't want to get left behind.
https://www.fdic.gov/news/press-releases/2024/fdic-survey-fi...
Why would you presume that?
> Not every solution needs to work for 100% of people.
A solution that censors large amounts of speech and culture from millions of people is clearly either insufficient or, if it is deemed sufficient, authoritarian.
Even within the unbanked households, the FDIC link points out that 1/3 use online non-bank services instead. And independently of that, it makes sense that even cash households might interface with online commercial activity: pick up gig work through DoorDash or UberEats or whatever; get paid out through a neighborhood informal-cash-service operator (multiservicio, hawala, guy who informally cashes out undocumented drivers). Or through opening a Venmo or CashApp account instead of a bank account.
That leads to a slightly stronger form of the claim: that those 5.6 million are likely to have undergone KYC/AML through other, non-bank financial providers…
But even then, why should a bank account be connected to whether or not you’re an adult in society’s eyes?
We can't back and wait for the perfect solution that covers all corner cases and makes everyone happy and has the perfect UX. We have to fight now while we still have something to fight for.
I did not read anywhere that this solution can only be used if it's the ONLY solution. Did you?
How is the statement "not every solution needs to work for 100% of the people" controversial? People are different, with different circumstances and ideally there are a variety of solutions to cover all of them
1. 7 million (2020) has no proper ID [0].
2. 120 million struggle with reading [1], and you can assume at least 7 million realistically can't read.
3. Banks already do identity verification across the world, even on behalf of the governments themselves.
I see many challenges in what OP is proposing, but banking adoption across population is not one of them.
My attempt at _a_ solution isn't _THE_ solution; but it seems like there's legitimately something around leveraging existing KYC infra that could get a solid 98 out of 100 - and can realistically be implemented in a realistic timeframe.
If I'm AYLO and have been cut off from 1/3 of the U.S. for the last 18 months, I'm contacting every lawyer, cryptographer, and engineer I can get my hands on to try and get _anything_ out of this concept or ones like it.
These people are already disenfranchised and mistreated by society. Let us not marginalize them more.