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Solutions/Financial Services

Identity infrastructure for regulated finance

Issue credentials to customers. Authorize AI agents with cryptographic mandates. Audit every action for regulators, without holding the data behind any of it.

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Jump toAI agent governanceHuman identity
The problem

Financial institutions carry liability for the data they hold and the AI they deploy

68%
of customers abandon account opening due to identity friction
28 days
average cross-border account opening, reduced to 1 day with reusable credentials
$4.45M
average cost of a financial services data breach
92%
of CISOs cite AI agent identity as an unresolved governance gap

The identity infrastructure most banks run was designed for siloed, institution-held data and human-only actors. Today's environment demands a third option: verify without custodying, and govern AI agents with the same rigour applied to human employees.

AI Agent Governance
Agent Command
Agent Developer Kit

Govern the agents acting on your behalf

Cryptographic identity for every AI agent, with scoped mandates, sealed data access, and a tamper-proof audit trail ready for any regulator.

Use cases

How financial institutions govern AI agents

From procurement workflows to Know Your Agent compliance.

AI agents that procure with cryptographic proof of authorization

An agent issued a signed, scope-limited Smart VC executes procurement workflows — approved vendors, spend limits, category rules — without a human in every loop. Every action is logged in a tamper-proof audit trail that regulators and internal compliance teams can interrogate.

Diagram coming soon
Human Identity & Verification
T3 Identity
T3 Verify

Issue credentials to customers without holding the data

Zero-data identity infrastructure for onboarding, cross-border verification, and Travel Rule compliance.

What banks and fintechs build with T3

Three use cases, one credential infrastructure.

Issue once. Reuse across every product and jurisdiction.
T3 Identity lets banks issue a privacy-preserving credential at onboarding that customers carry and present across retail banking, private wealth, investment, and insurance, without the bank holding or replicating the underlying PII. GDPR exposure collapses because T3 holds no PII.
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Cross-border account opening reduced from 28 days to 1 day
A credential issued by a bank in Hong Kong is accepted by a partner institution in Singapore without re-running KYC. The issuing institution retains cryptographic permission over the credential. The receiving institution trusts the cryptographic proof rather than the underlying data.
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Stablecoin and wallet compliance without sharing raw PII
T3 Verify anchors KYC and AML credentials to wallets at onboarding. These credentials satisfy Travel Rule disclosure requirements at counterparty institutions without transmitting the underlying PII to each participant in the transaction chain.
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How it works

Issue. Authorize. Audit.

Three operations. One infrastructure layer. No PII held at any step.

T3 Identity
Credentials issued at onboarding, never stored

T3 Identity and T3 Verify issue privacy-preserving credentials at the point of onboarding. The bank issues; the customer holds. T3 holds no PII. GDPR exposure collapses at the infrastructure level.

Agent Command
Agents receive scoped, time-bound mandates

Agent Command issues Smart VCs to AI agents: credentials scoped to specific capabilities, time-limited, and immediately revocable. Agents can only act within the bounds of what a human principal explicitly signed.

Agent Command
Every action logged in a tamper-proof ledger

Every agent decision, data access, and instruction is anchored to a Merkle-tree-backed ledger on the T3 Network. Regulators receive cryptographic proof rather than reconstructed logs.

Security & compliance

Built for the regulatory requirements of financial services

We take security seriously and have implemented robust measures to protect your data.

AICPA SOC 2 certificationSOC 2 Type 1SOC 2 Type 2ISO27001GDPR ready
Security at Terminal 3 →

FAQs

Questions about your specific regulatory context?

Talk to an expert
T3 is a zero-data identity infrastructure: we hold no PII. Credentials are issued to and held by the credential subject (your customer). GDPR data subject access requests, right-to-erasure obligations, and residency requirements are addressed at the architectural level: there is no T3-held record to produce or delete.
Agent Command is designed to align with the MAS AI Risk Management Guidelines (2025) and the principles from MAS Project MindForge. The four pillars — Visibility, Control, Privacy, and Auditability — map directly to the MAS framework's requirements for explainability, human oversight, data governance, and audit readiness.
Agents receive Smart Verifiable Credentials (Smart VCs) issued by a human principal through Agent Command. These credentials are cryptographically scoped, bounded to specific capabilities, spend limits, or data types, and time-limited. Any action outside the scope is rejected at the infrastructure level rather than at the application layer.
T3 Verify issues KYC/AML credentials at wallet onboarding. These credentials travel with the wallet, satisfy Travel Rule disclosure requirements at receiving institutions, and are presented without transmitting the underlying PII to each counterparty. The receiving institution verifies the cryptographic proof.
Yes. T3 integrates via standard APIs and supports W3C Verifiable Credentials, OpenID for VCs, and DID-based protocols, with compatibility across Entra, existing KYC providers, and most core banking identity layers.
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Built for institutions that can't afford to get identity wrong

Talk to our team about your onboarding, compliance, or AI governance requirements.

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