Technical Standards

Weritas Web5 Identity & Data Schema

The Weritas Web5 stack is built on the Decentralized Web Platform (DWP) standards. It replaces centralized databases with a triangle of trust: Decentralized Identifiers (DIDs), Verifiable Credentials (VCs), and Decentralized Web Nodes (DWNs).

1. The Decentralized Identifier (DID)

Every entity—Borrower, Lender, or Auditor—is identified by a W3C-compliant DID. This is the root of the identity.

• Method: did:ion (Sidetree protocol on Bitcoin/Layer 2) or did:key (for ephemeral sessions).
• Purpose: Provides a unique URI that resolved to a DID Document containing public keys for authentication and service endpoints for the user's DWN.
• Sovereignty: The user holds the private keys. Weritas cannot "delete" or "freeze" a DID.

2. The Verifiable Credential (VC) Schema

A Pulse Score™️ VC is a cryptographically signed JSON-LD object. It follows the W3C Verifiable Credentials Data Model v2.0.

Technical Data Object:

{
  "@context": [
    "https://www.w3.org/2018/credentials/v1",
    "https://schema.weritas.io/v1/pulse-score"
  ],
  "id": "urn:uuid:58473-abcde-99821",
  "type": ["VerifiableCredential", "PulseScoreCredential"],
  "issuer": "did:weritas:council",
  "issuanceDate": "2026-04-07T12:00:00Z",
  "credentialSubject": {
    "id": "did:ion:user-unique-id-here",
    "score": {
      "value": 785,
      "max": 1000,
      "min": 300
    },
    "metrics": {
      "reliability_index": 0.94,
      "repayment_probability": 0.98,
      "volatility_buffer": 0.12
    },
    "risk_tier": "A-Prime",
    "evidence": [
      {
        "type": "Inverite_OpenBanking_Attestation",
        "hash": "sha256:7e8...f2a"
      }
    ]
  },
  "proof": {
    "type": "Ed25519Signature2020",
    "created": "2026-04-07T12:00:05Z",
    "proofPurpose": "assertionMethod",
    "verificationMethod": "did:weritas:council#key-1",
    "jws": "eyJhbGciOiJFZERTQSIsImI2NCI6ZmFsc2UsImNyaXQiOlsis..."
  }
}

3. The Decentralized Web Node (DWN)

The DWN is the user's personal data vault. It is a mesh-networked personal datastore that permits the user to store and manage their own data.

• Permissions (RBAC): Users grant Lenders specific "Scopes" (e.g., Read access to PulseScoreCredential but not the raw bank statements).
• Storage: Encrypted "blobs" of data. Only the user's private key can decrypt the content.
• Protocols: Uses DWA (Decentralized Web Applications) protocols to sync data across the user’s mobile (WERI Wallet) and cloud backups.

4. The Cryptographic Trust Flow

Attestation

A data provider (e.g., Inverite) signs a raw data attestation and sends it to the user's DWN.

Computation

The Weritas Intelligence Layer (Pulse Score™️ engine) requests a session. The user’s WERI Wallet authorizes a Protocol Message via the DWN.

Local Execution

The AI model processes the data. It verifies the provider's signature but does not store the raw PII (Personally Identifiable Information).

Sovereign Issuance

The Weritas Council DID signs the resulting Pulse Score™️ VC.

Presentation

When the user applies for credit, they provide a Verifiable Presentation (VP)—a temporary, signed wrapper around the VC—to the Regulated Partner.

Verification

The Partner verifies the VP signature and checks the BNB Chain Registry to ensure the Weritas Council DID is still valid and the credential hasn't been revoked.

5. Institutional Benefits: Why This Schema?

Feature	Institutional Value
No Data Liability	Lenders never touch raw PII, eliminating the risk of data breaches.
Zero-Knowledge Proofs	Confirm a user has a "700+ Score" without seeing their transaction history.
Fraud Proof	Every credential is cryptographically signed; "Photoshopping" a score is impossible.
Interoperability	One identity works across every partner in the Weritas ecosystem globally.

Developer Note:

"The Weritas SDK provides a standard interface for 'Credential Discovery.' This allows any regulated partner to request a Pulse Score™️ from a user's WERI Wallet via a standardized Web5 Protocol Request, ensuring a friction-free experience for the borrower."