DEVELOPED BY DR. SUDIN BARAOKAR
Fabric trust index76.8

Common sovereign identity state

Trust Digital Twin

DT(t) = {Identity, Behaviour, Device, Authority, Consent, Reputation, Fraud, Cyber, Compliance, Provenance}. Scores are advisory. Execution stays deterministic.

Identity graph

Search any registered twin

88%Trusted

Ananya Deshmukh

PersonSMISPVDNDKYCVARDIS

USR-10024 · Retail customer · Pune · UPI + insurance

Full-KYC savings customer with an active insurance underwriting consent grant and moderate UPI velocity.

Facet contributions

T = Σ wᵢ·facetᵢ, risks carry negative weight

  • Identity assurance0.98w +0.22
  • Behavioural consistency0.91w +0.13
  • Device trust0.91w +0.11
  • Delegated authority0.88w +0.10
  • Consent state0.96w +0.09
  • Reputation0.87w +0.08
  • Provenance0.82w +0.07
  • Fraud probability0.08w -0.24
  • Cyber compromise risk0.09w -0.18
  • Compliance posture0.94w +0.10

Deterministic permit gate

Permit = Identity ∧ Authority ∧ Consent ∧ Policy ∧ RiskWithinLimit

Permit
✓

Identity valid

identity assurance 98% ≥ 90% floor

✓

Authority valid

delegated authority 88% within mandate

✓

Consent valid

active purpose-bound consent 96%

✓

Policy valid

compliance 94%, cyber risk 9%

✓

Risk within limit

fraud 8% ≤ 30%, trust 88% ≥ 60%

Module signals

Raw evidence feeding the twin

KYC identity confidence0.98
Device trust0.91
SIM-age consistency0.87
Face authenticity0.97
Deepfake risk0.03
Account takeover risk0.12
UPI behavioural deviation0.09
Mule-network proximity0.04
Social-account age (yrs)0.64
Inject scenario

Twin state object

Serialised for downstream consumers

{
  "twin": "USR-10024",
  "kind": "person",
  "trust_score": 0.8822,
  "facets": {
    "identity": 0.98,
    "behaviour": 0.91,
    "device": 0.91,
    "authority": 0.88,
    "consent": 0.96,
    "reputation": 0.87,
    "provenance": 0.82,
    "fraud": 0.08,
    "cyber": 0.09,
    "compliance": 0.94
  },
  "permit": true,
  "failing_clauses": []
}

AI risk narrative

Live reasoning over the current signal field

The deterministic layers above run without AI. Generate a narrative to add a plain-language explanation of the current state for reviewers and supervisors.