[bb88]

I know you're not asking for my advice, but you're pushing the dirt around here.

You're not solving the problem of ID Theft, you're just making it more likely that the criminals who are going to do it are going to use it are going to use ID's of real people.

Congrats and all for figuring it out how to do it, and for developing a market around it. But to me, encouraging banks to continue to make loans with just a web site or app seems like a really bad idea.

Edited to add:

Data is not a person. A person is a person.