Problems with Existing Systems
Existing trust technologies solve important problems within their domains. PTI does not replace them, it orchestrates and composes their outputs. The problems below are structural: not product-specific.
Fragmentation
| Problem | Consequence |
|---|---|
| Per-institution trust stacks | Months of integration per vertical |
| No portable subject identity | Citizens re-prove at every onboarding |
| Context-blind scoring | Lending signals applied to rental decisions |
| Opaque score changes | No machine-readable provenance |
Exclusion
Traditional bureau models exclude thin-file populations, those with little formal credit history but substantial real-world trust signals (community validation, merchant activity, employment history).
Governance vacuum
Most trust systems lack:
- Consent-first signal ingestion
- Tenant-scoped data boundaries
- Auditable decision replay
- Cross-institution interoperability contracts
Composability failure
Identity providers, KYC vendors, fraud engines, and credit bureaus each produce valuable signals, but no infrastructure layer composes them into context-scoped, explainable trust intelligence.