Digital Identity Wallets & Verifiable Credentials as a Foundation for Micro- Lending

Over 1.4 billion adults remain unbanked and billions more underbanked, largely because they lack verifiable financial identity rather than economic activity or willingness to participate in financial systems. iDen2 proposes a digital identity infrastructure that enables secure, privacy-preserving, and verifiable financial identities, unlocking scalable micro-lending and broader financial inclusion by making underserved populations visible to financial institutions.