Neobanks live and die on onboarding speed and reusable credentials flip the script. With @idOS_network, a customer verifies once, then reuses that KYC across modules (account, card, savings, lending) without re-uploading docs or touching raw PII again. Apps read only what the user grants nothing more, nothing permanent. --- Here’s the playbook I’d ship tomorrow: ❯ Make KYC portable by default. Lean on idOS Passporting so your lending or card module can rely on CDD already done by your core onboarding flow user-initiated, issuer-controlled, no chain of reliance risk. ❯ Use Access Grants for every read. Each micro-feature (limits, proof-of-address, PoP) requests a scoped, time-boxed grant; users can revoke anytime, keeping you GDPR-friendly without warehousing PII. ❯ Write safely with DWG. When you issue new credentials (e.g., upgraded KYC tier or risk flags), request a Delegated Write Grant first user consent is baked into the write path. ❯ Design once, deploy multi-chain. EVM works today; NEAR/XRPL flows are in the docs, so your identity UX follows the user wherever their assets live. --- Why this matters for PMs & risk: ❯ Drop-offs shrink. Re-verification friction between modules disappears; it’s a wallet-style approval, not a new KYC tunnel. ❯ Compliance posture gets simpler. You consume attestations, not documents; users control storage and consent. (That’s the intent of idOS’s system design for Consumers/Issuers often the same neobank.) ❯ Roadmap unlocks. Credit, payments, and cross-border add-ons launch faster when identity is an API surface, not a ticket queue. --- Bottom line: “Verify once, reuse everywhere” isn’t marketing it’s the operating model for modular banking when your customer’s vault travels with them. Ship the loop: onboard → issue credential → reuse via Access Grants → upgrade with DWG → repeat. Then watch activation and LTV do the talking.