Resolution Criteria

This question resolves YES if, on or before 2027-12-31, a US brokerage publicly supports a third-party-operated portable identity or credential system usable across brokerage relationships.

For resolution purposes:

• The identity must:

  • be operated by an organization distinct from the brokerage;

  • persist across multiple brokerage relationships; and

  • enable authentication, authorization, delegated permissions, user preferences, or agent-related identity portability.

• Support must be publicly documented and production-facing.

Qualifying implementations may include:

• delegated agent authorization systems,

• financial identity wallets,

• portable investor credentials,

• OAuth-style cross-platform agent identity layers,

• verifiable credential frameworks,

• or comparable interoperable identity systems.

Evidence may include:

• developer documentation,

• public product launches,

• onboarding flows,

• conference announcements,

• or production integrations.

Fine Print

The following do NOT count:

• Standard email or social login integrations;

• Basic KYC providers;

• Brokerage-internal account portability;

• Data-export APIs without identity portability;

• Aggregation products alone.

• OAuth alone does not count unless it enables persistent cross-broker identity or delegated agent authorization.