Holder

A holder is an individual or entity that possesses verifiable credentials and controls the identity associated with them. In the context of digital finance, the holder manages their credentials through a digital wallet or identity hub.

They decide which credentials to share with verifiers to access specific services or platforms. The holder has the power to present only the necessary information, enabling selective disclosure.

This role is central to the user-centric paradigm, as the holder is the sole arbiter of their identity and data sharing. The holder's security practices, such as key management, directly impact the security of their identity.