Use Cases
Discover real-world examples of digital wallets and verifiable credentials in action — passwordless login, age verification, digital travel, cross-border and public services, and more. Learn from proven patterns, compare approaches, and reuse what works instead of starting from scratch.
Preventing SIM Swap Fraud with EUDI Wallets and AI Voice Agents
by Hovi
Telcos handle some of the most sensitive account actions over the phone, especially SIM swaps, which are a primary vector for account takeover fraud. This usecase shows an AI voice agent that verifies a caller's identity against a digital wallet credential in real time, before any sensitive change is processed. SIM swap fraud, phishing, and account takeover attacks all depend on the same weak point: phone-based identity checks that rely on security questions, personal data, or callback procedures, all of which can be socially engineered or leaked. Call center agents have no reliable way to confirm that the person on the line is who they claim to be, and attackers exploit exactly that gap. For the telco, this closes the fraud gap without adding friction for legitimate customers. Verification happens automatically, mid-conversation, with no extra steps for the caller and no manual escalation for the agent. For the customer, it means sensitive requests are protected without the hassle of extra security questions or callback delays. For the industry more broadly, it demonstrates a reusable pattern for binding any high-risk transaction to a verified identity in real time.
- Sector
- Digital
- Country
- Finland
- Production deployment
- Yes
- More information
- https://dice.hovi.app
- Last updated
How it works
1. Customer calls in. A customer contacts the telco to request a sensitive account change, for example a SIM swap.
2. AI voice agent picks up. The agent handles the call naturally, like a normal support conversation, and asks for the details of the request.
3. Identity binding happens mid-call. Before the agent proceeds, it binds the request to the customer's verified identity credential in real time. No security questions, no callback, no manual agent escalation.
4. Dashboard tracks the call live. A real-time dashboard shows each stage of the interaction as it happens: call received, identity check triggered, verification result, outcome.
5. Verification gates the outcome. If the identity check passes, the account change goes through. If it fails, the change is blocked on the spot, before any damage is done.
6.Loyalty credential issued. Once verified, the customer receives a loyalty credential as a reward for completing a secure interaction.
This flow removes the exact weak point that SIM swap attacks, phishing, and account takeover fraud rely on: social engineering and leaked personal data used to impersonate a real customer over the phone.
Tags
- identity
- telecommunication
- kyc
- pid
- eudiw
Interaction modes
- Remote flow
VC formats
- ISO mDoc
- SD-JWT VC
- VCDM2.0
Issuance protocols
- OpenID4VCI
Presentation protocols
- ISO 18013-7
- OpenID4VP
Interop profiles
- DIIP v5
- EUDI Wallet ARF
- HAIP v1
Personal wallets used
- National EUDI Wallet (Germany)
Business wallets used
- Hovi Business Wallet
Issuers involved
- Hovi EUDI Playground
Credential types used
- PID (MSO Mdoc)
- Loyalty (MSO Mdoc)
Relying parties
- Hovi - Dice Demo
Showing 24 of 101 items
-
Business Wallet-Based KYB & Financial Onboarding
A company representative opens a business bank account in an EU member state where the company is not registered, using verified credenti…
-
Green Lane Verified: Wallet-Based Company Formation and Registration
Green Lane is a voluntary digital route for registering a sole proprietorship with KVK or incorporating a legal entity, such as a BV, thr…
-
Verified machine safety access at Koning Willem I College (KW1C)
A student is trained on a high-risk workshop machine and receives a digital machine safety certificate. That same digital certificate let…
-
One EUDI Wallet Release Across OpenID Foundation, WE BUILD and FCAF
Before releasing a new EUDI Wallet build, a wallet development team must show that the same app can receive and present credentials corre…
-
Cryptographically Verifiable Digital Product Passports for EU Battery Regulation Compliance
European manufacturers must issue Digital Product Passports (EU Battery Regulation 2023/1542, from 18 February 2027, with the ESPR extend…
-
Verifiable AI fairness: a seal for the system, a receipt for the person
When an AI screens a job application, scores a loan or decides a benefit, the person affected gets a decision but often no way to verify…
-
Faster onboarding, a complete employee record from day one!
From intake, skills passport and skills assessment to vocational education certificates in her own wallet. When she applies for a job, th…
-
Reeco Textile DPP : the supply chain verified independently of the brand's systems
Textile passports today publish what a brand exports from its PLM. A signature makes that tamper-evident, not true. Reeco verifies the ch…
-
Portable pentest, compliance and privacy credentials for supply-chain trust
Problem Every business now has to prove its security and privacy posture to customers, regulators and partners. That proof travels as PDF…
-
From Mine Permit to Digital Product Passport: Building an Open Digital Trust Ecosystem for Responsible Critical Minerals
Energy & Mines Digital Trust began with a use case, as shown in the video, in which production-issued digital credentials are held in a m…
-
End-to-End Digital Business Workflows: Transforming KYB-KYC-KYS via EU Business Wallet
Use Case: This end-to-end digital business workflow automates and secures high-assurance onboarding across the business lifecycle - Know…
-
Trusted eReceipts for B2B Payments: Issuing verifiable receipts to a European Business Wallet after EUDI-based SCA
Verifiable eReceipts for SME business purchases: An SME buys online. An authorised employee approves the payment with Strong Customer Aut…
-
Digital Certificate of Good Conduct (VOG) as a Verifiable Credential
Every year, 1.8 million Certificates of Good Conduct (VOGs) are issued in the Netherlands. Over 350 large organizations and 26,000 sports…
-
DIFO - Digital Invoice Financing Origination for SMEs (Serbia & Romania pilot)
DIFO is an open-source protocol, developed in partnership with Finspot, IFC, World Bank, GLEIF and Global vLEI AB. It uses zero-knowledge…
-
CredIssuer by Ooru - Verifiable Work-Completion Credentials for Migrant Construction Workers
India's Building and Other Construction Workers (BOCW) scheme entitles a migrant construction worker to welfare benefits once they comple…
-
Cross-Border Micro-Credentials: The EU.ACE Chain (EU - CH)
A student completes a university programme and receives a digital credential in their wallet. Instead of a PDF that another institution o…
-
Autofill Customer ID on Trip.com with Google Wallet
Travellers can securely share authorised identity information from an ID Pass in Google Wallet to automatically populate the passenger de…
-
Digital Twin based Verifiable Credentials for local impact, proven on the Open Interop Testbed
itb.ilabs.ai is in production: a GITB test bed operated by iLabs, with external accounts, listed on fides.community as the Open Interop T…
-
Credenid - Fast KYB and corporate onboarding with a business wallet
This use case demonstrates reusable, wallet-based KYB for corporate account opening. Companies and their representatives currently submit…
-
HIMS eSPA - Electronic Sale and Purchase Agreement using Digital Signature
Business challenge: Malaysia’s property Sale and Purchase Agreement process traditionally requires physical identity checks, appointments…
-
Instant, Paperless Rural Credit Using Verifiable Credentials
Rural credit in Brazil traditionally requires farmers to gather paper land and environmental documents for manual bank review, causing de…
-
Instant Digital Verification of Education Credentials using VerifyTT
VerifyTT is Trinidad and Tobago's national platform for issuing, holding, and verifying digital credentials, starting with academic certi…
-
Arattai: Verified Social Media Profiles
Arattai is an Indian instant messaging and social networking platform (Like WhatsApp and Signal) with 8 million users that enables users…
-
Urban Company: Service Professional and Customer Identity Verification
Urban Company (Think Helpling, Taskrabbit, Bark etc) is one of Asia's leading technology platforms for 8.4 million users delivering home…
Loading use case catalog…
Use desktop to add or update
Add or update a listing
The FIDES Use Case Catalog aims to provide a clear and up-to-date overview of how verifiable credentials and digital wallets are used in the real world. While FIDES Labs BV does not assume responsibility or liability for the completeness, accuracy, or timeliness of the information presented, we have made a best effort to compile a representative overview. The data is aggregated from publicly available sources and from information published by the organisations themselves.
Add or update a use case:
- List your organization first (if it is not in the Organizations catalog).
- Then submit a use case or suggest an update to an existing use case.
Both flows require a FIDES Community account. Submissions are reviewed before publication.
- Add use case
- Update use case — find your use case and submit changes
- Logged-in users can also use Suggest an update (pencil icon) in a detail view of a use case.