A Trust Credential could solve our data privacy problems.

Being a consumer today is exhausting. You get asked for the same sensitive personal details again and again—when you apply for a job, open a bank account, sign up for a gig platform, rent an apartment, or verify your age online.

It’s even worse if you’re a business owner. Every new workflow becomes a data-retention liability, and every vendor connection becomes another potential leak point for your customers’ personal information.

The stakes are not theoretical. Identity fraud and scams cost Americans $47 billion in 2024, according to an AARP-backed report based on Javelin research. And breach frequency is still relentless. And the Identity Theft Resource Center tracked 3,322 “data compromises” in 2025, its highest number on record.

The uncomfortable truth is that we don’t have a privacy problem. We have a data-copying and hoarding problem. More specifically, we have a state-by-state rules problem that’s making the copying even harder to manage.