Systems and methods for providing a universal decentralized solution for verification of users with cross-verification features

In a system of computer-implemented nodes connected in a network and configured by programmed instructions stored in respective non-transitory memory units to form a distributed ledger, a cross-verification process for secure exchange of requests for and access to verified identity documents of a user, comprising the steps of:

• establishing a secure verification address of a first entity on the distributed ledger for a digital user identifier or biometric identification data of a first user to be associated with the verified identity documents of the first user to be stored at the first entity by performing the steps of:
• activating an interface configured to add or delete data related to the digital user identifier or biometric identification data associated with the first user;
• encrypting the digital user identifier, the biometric identification data or the first user's name associated with the verified identity documents of the first user using a private key and a public key;
• associating the encrypted digital user identifier with files in the distributed ledger containing the verified identity documents of the first user;
• and
• storing the verification address of the encrypted digital user identifier, the biometric identification data in association with the associated verified identity documents of the first user in each node of the distributed ledger;
• and
• receiving the verified identity documents of the first user at the verification address of the first entity on the distributed ledger, wherein the verified identity documents are selected from the group consisting of a passport, a driver's license, a social security number, a utility bill, a biometric identification file, a user location data set, an AML (anti-money laundering) file, a KYC (know your customer) file, and a KYB (know your business) file;
• receiving a request from a second user at a second entity on the distributed ledger for access to the verified identity documents of the first user at the verification address of the first entity;
• authenticating the identity of the second user to receive permission to obtain the requested access;
• regulating, in response to an authenticated request of the second user, the access to the verified identity documents of the first user at the verification address of the first entity on the distributed ledger;
• issuing a grant or denial to the second user to the request for access to the verified identity documents of the first user;
• and
• providing the requested verified identity documents or withholding access to the verified identity documents.