2.8 billion people lack access to a government-recognised digital ID for online transactions; even where logins exist, they do not protect the subsequent session end to end.
Identity umbrella page
One unique PAL ID—connected to every important session.
IdentitysPAL explains and orchestrates PAL ID, HAI Link, HAI Session and HAI Action for individuals and security providers.
PAL IDHAI Sessionidentityspal.com
Identity umbrella page7
4defined measurement dimensions
active PAL ID profiles1
verified sessions2
account and session takeovers3
1PAL ID
23Evidence
The problem today
2.8 billion people lack access to a government-recognised digital ID for online transactions; even where logins exist, they do not protect the subsequent session end to end.
PAL ID as the unique identity, connected to device, session and action through HAI Link, HAI Session and HAI Action.
Identity providers often authenticate at a single point. Actual inputs and approvals after login remain a separate attack surface.
Solution
A simple approach with system-wide value.
PAL ID as the unique identity, connected to device, session and action through HAI Link, HAI Session and HAI Action.
PAL ID as a unique, portable identity.
HAI Session continuously binds person, device and events.
PrivateSecurityPAL and Security-PAL separate consumer and B2B security needs.
Benefits
One system. Three clear winners.
IdentitysPAL explains and orchestrates PAL ID, HAI Link, HAI Session and HAI Action for individuals and security providers.
For people
Fewer account and session takeovers through a portable identity.
For companies & institutions
A unified identity and session API for multiple online services.
For professionals
A clear evidence chain from authentication to critical action.
IdentitysPAL explains and orchestrates PAL ID, HAI Link, HAI Session and HAI Action for individuals and security providers.
Measurable from day one
The right metrics make progress and impact visible.
Fewer account and session takeovers through a portable identity.
Potential
Transparent model. Counted once.
R05 and part of R08 are explained here; identical losses and users are counted only once in the overall model.
API for PAL ID, sessions and actions
8.4 bn USD2.8bn digitally underserved people × USD 3 per year
Share of verified prevented losses
30.42 bn USDUSD 579.4bn × 25% addressable × 70% effective × 30% share
Who pays: Contracts are primarily held by platforms, banks, companies and governments; hardware may be funded by different sponsors.
Model note: Market potential is not a revenue forecast. It is a modelled upper bound based on the stated assumptions; actual revenue depends on product maturity, contracts, regulation and market penetration.
Sources and evidence
The key assumptions remain traceable.
The evidence base is maintained centrally. Product claims require separate validation in pilots and contracts.
World Bank ID4D Global Dataset 2025
This source supports the evidence base for the stated problem and market context. Open source ↗
NIST SP 800-63-4 Digital Identity Guidelines
This source supports the evidence base for the stated problem and market context. Open source ↗
FBI IC3 Annual Report 2025
This source supports the evidence base for the stated problem and market context. Open source ↗
Nasdaq Verafin Global Financial Crime Report 2026
This source supports the evidence base for the stated problem and market context. Open source ↗
World Bank Global Findex 2025
This source supports the evidence base for the stated problem and market context. Open source ↗
EBA–ECB Payment Fraud Report
This source supports the evidence base for the stated problem and market context. Open source ↗
Connected in the PAL Ecosystem
Independent domain. Shared platform.
In brief
The first questions a new partner will ask.
A unified identity and session API for multiple online services.
What makes this solution different?
PAL ID as the unique identity, connected to device, session and action through HAI Link, HAI Session and HAI Action. PAL ID as a unique, portable identity.
Who benefits most?
Fewer account and session takeovers through a portable identity. A unified identity and session API for multiple online services.
Who carries the cost?
Contracts are primarily held by platforms, banks, companies and governments; hardware may be funded by different sponsors.
How should the potential be read?
R05 and part of R08 are explained here; identical losses and users are counted only once in the overall model. Market potential is not a revenue forecast. It is a modelled upper bound based on the stated assumptions; actual revenue depends on product maturity, contracts, regulation and market penetration.
Let us define the right pilot.
Capital, technology, hardware partnerships and market access can be built in parallel around a clearly bounded first application.