Hundreds of millions of W3C Verifiable Credentials are issued each year across global market verticals including education, retail, transportation, and financial services. In parallel, ISO mobile Driver’s Licenses (mDLs) are moving from pilots into production—often intersecting with, but not replacing, broader credential ecosystems.

This panel breaks down the practical differences between W3C Verifiable Credentials and ISO mDLs, where each is best suited, and how organizations are deploying both technologies at scale. Panelists will share real-world implementation insights, architectural considerations, and lessons learned from production environments.

Moving beyond the driver’s license use case, the discussion will focus on financial transactions and payment flows, examining how Verifiable Credentials and mDLs are being used to enable faster, more secure authentication, authorization, and trust establishment—ultimately reshaping how people transact across digital and physical channels.