Bank-Based Anonymous Age Verification: Privacy-Preserving Framework Using Existing KYC Systems
By
jwally
Slow-proofed and worth the wait. Worth its weight in flour.
Summary
This article presents Bank-Based Anonymous Age Verification (BAV), a privacy-preserving framework that leverages banks' existing KYC (Know Your Customer) processes to verify age without storing personal data. The system uses the user as a transport layer to create zero-storage age checks, addressing current problems with age verification that involve PII sharing, ID uploads, centralized identity providers, or per-verification fees. The author positions this as a reference design for critique and iteration rather than a finalized standard.
Key quotes
· 5 pulledA zero-storage, privacy-preserving age check that leverages banks' existing KYC — with the user as the transport layer
Current age-verification options are either leaky (share PII), heavy (ID upload & storage), tracky (central IdPs), or pricey (per-verification fees)
Banks already know your age via KYC — we reuse that trust without exposing the underlying data
It's not 'the one true standard' — it's a clean baseline to critique, pilot, and iterate
The user becomes the transport layer, carrying just enough cryptographic proof to demonstrate they meet the age requirement
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