The User approaches a Requester to use a service or purchase a good. The Requester queries the Credential Wallet for the required PII attested by an acceptable Validator. Upon User approval in the Credential Wallet, the information is transferred to the Requester in exchange for access, and the Validator(s) that issued the attestation(s) get paid. A validation process occurs if no valid attestation is found in the Credential Wallet.