Trust Consumers

Trust consumers request context-scoped trust intelligence at decision time — underwriting, onboarding, hiring, compliance, and risk assessment.

Consumer role

Consumers MUST authenticate with consumer-scoped credentials and declare purpose_code on lookups where policy requires.

Consumer categories

Category	Typical contexts	Decision examples
Lenders	lending, risk_compliance	Credit line approval
Insurers	insurance, risk_compliance	Policy underwriting
Employers	employment, education	Background verification
Landlords	rental	Tenant screening
Platforms	merchant, digital_platform	Seller onboarding
Government	civic, employment	Benefit eligibility

Lookup tiers

Tier	Depth	Typical use
Basic	Score band + coverage summary	Pre-qualification
Detailed	Drivers + provenance summary	Standard underwriting
Predictive	Model features with explainability	Advanced risk pricing
Screening	Sanctions, PEP, adverse media hooks	Compliance dossier

Consumers MUST hold entitlement for requested tier and context combination.

Lookup workflow

Policy obligations

Consumers MUST:

• Use explainability artifacts for adverse decisions affecting subjects.
• Store reports per organizational retention policy.
• Respect suppression and erasure flags immediately.
• Avoid republishing raw trust data outside contractual purpose.

External subjects

When directory search misses, consumers MAY route to external screening profiles if entitled. External routes SHOULD bill separately and label provenance distinctly from native graph signals.

Verification

Consumers SHOULD verify report authenticity via:

• verify_uri QR or link for human auditors
• GET /reports/{id}/verify for automated checks

Hybrid tenants

Organizations acting as both producer and consumer MUST use separate credentials and entitlements per role to preserve audit clarity.

Related pages

• Trust Intelligence Engine
• Trust APIs
• Privacy Specification