> ## Documentation Index
> Fetch the complete documentation index at: https://open-fi.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Identity & Verifiable Credentials

> How OpenFi proves a human or agent is real without exposing personal data.

OpenFi issues privacy-preserving credentials tied to a real-world, KYC-compliant bank verification, so a counterparty can check "is this a verified unique human or agent?" without ever seeing a name, country, or government ID.

## Format

* **Standard:** W3C Verifiable Credentials, VC-JWT format
* **Issuer DID:** `did:web:openfi.co`
* **Subject DID (wallets):** `did:pkh`

## What it's used for

* **Sybil resistance**: confirming a wallet belongs to a unique, non-duplicated verified identity before it can participate in a payment, governance action, or token distribution
* **Agent attestation**: letting one autonomous agent verify a counterparty agent or service is backed by a real, KYC'd commercial entity before transacting

Identity/Sybil-resistance checks are enforced as part of the same on-chain module as the [Allowance State Machine](/essentials/allowance-state-machine) on Aptos, rather than as a separate module.

<Warning>
  Stellar-side settlements do not currently have an identity gate in scope. Treat this as an explicit gap when designing flows that touch Stellar.
</Warning>

See the full [Identity API reference](/api-reference/identity/overview).