A personal primary key that's semipublic, and when you do a financial transaction the institution performs know-your-customer identification checks - checking p

A personal primary key that's semipublic, and when you do a financial transaction the institution performs know-your-customer identification checks - checking photo ID (with key printed), that sort of thing. Some even have federated systems where you can later ask the financial institution to hand out a 2FA crypto token that you can use to identify yourself to other institutions over the Internet without ever showing up in person.