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  • TIER-1 IDENTITY INFRASTRUCTURE

Identity Infrastructure for the Modern Internet

Secure authentication, verified credentials, consent-based data sharing, and trusted access orchestration for people, organizations, and intelligent systems.

Create ZoikoID
Explore the Platform

Passwordless Auth

Verifiable Credentials

Consent-Based Data

AI-System Identity

Global Compliance Ready

Platfroms
0

Zoiko ecosystem coverage

Core Layers
0

Modular identity architecture

Zero

Data Sales

Privacy commitment

Open

Standards-Based

FIDO2 · OAuth 2.0 · OpenID · W3C VC

Infrastructure trust signals

Passwordless Authentication
Global Compliance Ready
Consent-Led Model
Open Standards
AI-System Compatible
️ Zero-Trust Architecture

IDENTITY DECISION PATHS

Identity Infrastructure for Every Digital Actor

Choose your path — ZoikoID adapts to developers, enterprises, platforms, and individuals.

For Developers

Integrate authentication and identity APIs into any stack with production- ready SDKs and sandbox environments.

Explore APIs

For Enterprises

Secure workforce identity, partner access, and internal systems with SSO, RBAC, and audit-grade controls.

View Solutions

For Platforms

Deploy identity infrastructure for marketplaces, fintechs, and transactional products requiring credential portability.

Platform Docs

For Individuals

Own and carry a portable digital identity across the entire Zoiko ecosystem with full consent controls.

Create Identity

Why it matters

Identity Is the
First Layer of Trust

The modern internet has an identity problem. The solution is infrastructure-grade.

Authentication is fragmented

Users repeatedly create accounts and credentials across every digital product — duplicating effort and breach exposure.

Verification is duplicated

KYC, KYB, and professional checks are performed repeatedly across platforms despite the same user having verified before.

Consent is opaque

Users do not clearly see what data is shared, when, or why — creating regulatory exposure and broken trust.

ZoikoID transforms identity into portable, governed infrastructure — authenticate once, verify once, and share only by explicit consent, across every platform in the ecosystem.

Core capability pillars

Three Pillars of Identity Governance

The foundational model that makes ZoikoID infrastructure-grade rather than feature-led.

01

Authenticate Securely

Phishing-resistant access

  • Passkeys & FIDO2 / WebAuthn
  • Biometric login
  • Device trust & binding
  • MFA and step-up authentication
Zero password-based breach surface
02

Verify Once

Reduced onboarding friction

  • Reusable KYC credentials
  • Professional licences & certifications
  • Business verification (KYB)
  • Portable, cryptographically signed credentials
One verification, every platform
03

Share by Consent

User sovereignty

  • Granular permission grants
  • Consent logs & audit visibility
  • Revocation rights
  • Policy-aligned data sharing
User controls every disclosure

Identity in action

See How ZoikoID Works in Practice

Identity infrastructure must show how it works — not just what it claims to do.

User verifies identity

Credential stored in wallet

ZoikoPay requests verification

User grants consent

Verification completes instantly

Zero repeated KYC — one credential, verified once, accepted across Zoiko.

Seller lists product

Trust score verified

Buyer discovers listing

Secure payment released

Reputation score updated

Verified identities build trusted marketplaces — fraud-free by design.

Agent requests access

Owner identity bound

Permissions scoped

Action audited & signed

Task completes trusted

Every AI agent action is traceable, permissioned, and cryptographically owned.

Infrastructure stack

The ZoikoID Platform Architecture

Five distinct but fully interoperable layers forming a complete modular trust platform.

Authentication

FIDO2· WebAuthn· Passkeys· Biometrics

Passkeys

FIDO2 / WebAuthn

Biometric Login

Platform authenticator

Device Trust

TPM / Secure Enclave

Step-Up MFA

Risk-adaptive factor

// ZoikoID Authentication SDK
const session = await zoikoid.auth.authenticate({
  method: 'passkey',
  scope: ['openid', 'profile', 'identity']
});

Credentials

KYC· KYB· Verifiable Credentials· DID

KYC Credentials

Reusable identity proofs

Business Verification

KYB / Entity checks

Signed Credentials

Cryptographic proofs

Portable DID

W3C DID standard

// ZoikoID Credential SDK
const vc = await zoikoid.credentials.issue({
  type: 'KYCCredential',
  subject: 'did:zoiko:user123'
});

Consent

Granular Permissions· Audit Logs· Revocation

Permission Grants

Granular data scopes

Consent Logs

Full audit visibility

Revocation Rights

Instant access removal

Policy Sharing

Aligned data controls

// ZoikoID Consent SDK
const grant = await zoikoid.consent.request({
  scopes: ['read:profile', 'share:kyc'],
  ttl: '30d'
});

Risk Intelligence

Fraud Detection· Behavioural AI· Signals

Risk Scoring

Real-time signals

Fraud Alerts

Anomaly detection

Behaviour AI

Pattern recognition

Adaptive Auth

Step-up on risk

// ZoikoID Risk SDK
const score = await zoikoid.risk.evaluate({
  userId: 'usr_abc123',
  action: 'payment'
});

Federation & APIs

OAuth 2.0· OpenID Connect· SAML· REST

OAuth 2.0

Token-based access

OpenID Connect

Identity federation

REST APIs

Developer-first SDKs

SAML 2.0

Enterprise SSO

// ZoikoID Federation SDK
const token = await zoikoid.federation.connect({
  provider: 'oidc',
  clientId: 'app_xyz'
});

By industry

Identity Infrastructure for Digital Platforms

From financial services to AI systems — purpose-built identity for every context.

Financial Services

Payments Remittance Lending Gaming
  • KYC reuse across products
  • Strong Customer Authentication
  • Sanctions-aware onboarding

Enterprise

Workforce Vendor Access Systems
  • Single Sign-On (SSO)
  • Role-based access control
  • Audit logs & compliance

Marketplaces

Provider Verification Reputation
  • Provider professional identity
  • Portable provider profiles
  • Dispute-ready auditability

Consumer Platforms

Unified Login Family Identity Cross-Device
  • Unified login across consumer apps
  • Family and household identity
  • Consent controls per product
  • Cross-device session portability

AI Systems

Machine Identity Automation Governance
  • Machine identity and agent credentials
  • Execution permission governance
  • Traceable AI workflow logs
  • Revocable automation access

Developer platform

Developer Infrastructure That Respects Time

Standards-based, production-ready, and infrastructure-grade. Built to be trusted in production.

Sandbox Environments

Full-featured test credentials & event simulation

Webhook Events

Real-time event streams & identity logs

Environment Separation

Dev / staging / production isolation

Test Credentials

Simulate identity flows without production data

passkey.js consent.js machine.js 
// Passkey authentication
import { ZoikoID } from '@zoikoid/sdk';
const id = new ZoikoID({
  clientId: process.env.ZOIKOID_CLIENT_ID,
  env: 'production'
});

const authenticate = async () => {
  const session = await id.auth.passkey({
    scope: ['openid', 'identity'],
    challenge: await id.generateChallenge()
  });
});
return session.token; // signed JWT
};

Security & trust

Security by Design. Privacy by Principle. Governance by Default.

Security Architecture

  • AES-256 encryption at rest
  • TLS 1.3 encryption in transit
  • Hardware-backed key protection
  • Zero-trust architecture
  • Adaptive access & anomaly detection

Privacy Principles

  • No data selling — ever
  • Consent-first model by design
  • Transparent sharing logs
  • Selective disclosure support
  • Deletion rights & revocation controls

Compliance Alignment

  • Designed for GDPR & UK GDPR alignment
  • CCPA and NDPR consideration
  • ISO 27001 control mapping
  • SOC 2 control alignment
  • PCI DSS-relevant control expectations
GDPR UK GDPR CCPA NDPR ISO 27001 SOC 2 PCI DSS FIDO2 W3C VC OpenID Connect OAuth 2.0

Zoiko ecosystem

One Identity Across Zoiko

ZoikoID is the identity backbone across every Zoiko product — reducing duplication and creating a unified access layer.

FINANCIAL

ZoikoPay
ZoikoRemit
ZoikoMoney
BetRithm

ENTERPRISE

ZoikoSuite
ZoikoAssure
ZoikoShield
ZoikoNex

MARKETPLACE

Zoikorum
DriverXtra
ZoikoAisle

CONSUMER

ZoikoArc
Zoikora
ZoikoPal
ZoikoTV

INTELLIGENCE

Zoiko AI
ZoikoSocial

ZoikoID reduces duplication, increases trust portability, and creates a unified access layer across the full Zoiko estate — so users authenticate once, verify once, and share only by explicit consent.

Identity governance manifesto

How We Believe
Identity Should Work

Identity sovereignty belongs to the user. No platform should own what a person is.

Consent must always be explicit. Implied, buried, or forced consent is not consent.

Verification must not be repeated unnecessarily. Verified once should mean trusted everywhere.

Platforms must not exploit identity data. Data shared for one purpose must not be used for another.

Trust must be portable but transparent. Users should know where their identity is — and be able to withdraw it.

Pricing architecture

Pricing That Scales With Trust

Infrastructure-grade pricing that grows with your platform's identity requirements.

FREE

Ecosystem Identity

For individuals across the Zoiko ecosystem

  • ZoikoID account & credential wallet
  • Passwordless login
  • SSO across consumer products
  • Basic consent controls
MOST POPULAR

BUSINESS

Identity Operations

For teams, orgs, and growing platforms

  • Workforce identity management
  • Business verification (KYB)
  • Audit logs & access controls
  • API volume thresholds
  • Role-based access (RBAC)

PLATFORM

Identity Infrastructure

For platforms that need full-stack identity

  • Federation & orchestration APIs
  • Machine identity governance
  • Custom flows & branding
  • Dedicated SLA support
  • Onboarding & integration team

ENTERPRISE

Deploy Identity Infrastructure
for Your Organization

Our solutions team will work with you to architect identity infrastructure that fits your compliance requirements, integration footprint, and scale expectations.

Integration flexibility Security architecture review Privacy controls audit Audit log support Global deployment readiness

Build Identity Into Your Platform
— The Right Way

Create a ZoikoID account, explore the documentation, or speak to
our team about deploying trusted identity infrastructure at scale.

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