Case Study: MemberPass achieves 15-second call-center authentication and $150K/year fraud reduction with Hyperledger Indy

How CULedger protects credit unions against fraud with Hyperledger Indy

MemberPass, the portable digital identity credential launched by CULedger for credit union members, faced rising call‑center fraud and the limitations of knowledge‑based authentication. To streamline identity verification across call centers, branches and digital channels, MemberPass adopted distributed ledger technology built on Hyperledger—specifically Hyperledger Indy—to pilot a self‑sovereign, privacy‑enhancing identity solution with credit unions.

Built with Hyperledger Indy, MemberPass delivers a decentralized identity wallet and Digital Trust Registry that enables two‑way authenticated communication and cross‑channel verification. The Hyperledger‑based solution shortened call‑center authentication from up to five minutes to 15 seconds or less, is projected to cut a 125,000‑member credit union’s annual call‑center fraud expense by roughly $150,000, and now has thousands of credentials in production while enabling future KYC and interoperability gains.

MemberPass