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> Even if the bigtechs don't "officially" make the passkey standards require bigtech involvement, it seems very likely to me that conservative businesses like banks will only accept bigtech implementations.

Indeed. It's not a theoretical concern, either. The spec authors themselves actually maintain a "naughty client list": https://passkeys.dev/docs/reference/known-issues/

> This ZKP+hardware secure element stuff seems even worse, because how are you going to make it work on old hardware, or with free software, or with open devices?

I don't love it, but I actually do see an argument that this kind of proof-of-property stuff really does belong in a secure area, backed by approved software. It is making government-backed, legal claims about a person or entity. Unlike with Passkeys, it's not really "your" data, rather it's a way for the government to provide legally-backed information to someone, without the government actually having to be in the loop. I'd probably argue the solution to the big-tech dependency here is the government should be required to provide its own, verifiable solution (such as a physical ID card with open software) for users who do not want to trust big-tech.

Where the ZKP spec authors goofed was in not considering the wallet provider to be a party in the transaction. That third party may have interests that are not aligned with the user's.



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