Now-a-days, to ascertain one's identity, people are carrying government-issued identity documents, payment cards, passwords and pins. The daily lives are scattered with tools for modern existence. Each additional tool introduces a supplementary point of friction throughout the day. This cumulative friction is reaching significant proportions, as people continue to gather ever more keys and cards in their wallets and struggle to remember increasing numbers of passwords for their accounts. Moreover, all of these items, physical or digital, may be stolen and abused. Practically speaking, users don't own their identity tool.