Purpose

In order to be properly relied upon, every verifiable credential must be associated with a stated level of assurance.  Since there are infinite variables in play to determine the level of assurance to be assumed, it is best to classify verifiable credentials in discrete class levels.  This will allow a set of policies, practices and infrastructure to be defined and associated with specific classes.  In the pre-verifiable credential world of the internet a variety of difference class structures are loosely defined depending on where a credential is stored and the level of authentication is used on the contents of a digital certificate.  Multi-factor verification techniques are also used to upgrade amorphous classes of certificates and traffic.All Internet transactions and Verifiable Credentials have different purposes.  

In the context of today's Internet traffic, transaction are mostly untrusted which has led to digital identity theft, spoofing, man in the middle attacks and ransomware.  The advent of verifiable credentials brings the promise of a more trustworthy infrastructure for reliable transactions.  When that infrastructure is combined with other trust assurance elements, verifiable credentials can be highly trustworthy and relied upon for a myriad of transformative digital applications.

The US National Institute of Standards (NIST) has published (https://pages.nist.gov/800-63-3/sp800-63-3.html) generally accepted associated classes as it relates to identity credentials. Digital identity as a legal identity further complicates the definition and ability to use digital identities across a range of social and economic use cases. Digital identity is hard. Proving someone is who they say they are — especially remotely, via a digital service — is fraught with opportunities for an attacker to successfully impersonate someone.  The standards associated with identity assurance create a solid model for other claims made in a verifiable credential

The components of identity assurance detailed in the NIST guidelines are as follows:

• IAL refers to the identity proofing process.
  • IAL1: There is no requirement to link the applicant to a specific real-life identity. Any attributes provided in conjunction with the authentication process are self-asserted or should be treated as such (including attributes a Credential Service Provider, or CSP, asserts to an RP).
  • IAL2: Evidence supports the real-world existence of the claimed identity and verifies that the applicant is appropriately associated with this real-world identity. IAL2 introduces the need for either remote or physically-present identity proofing. Attributes can be asserted by CSPs to RPs in support of pseudonymous identity with verified attributes.
  • IAL3: Physical presence is required for identity proofing. Identifying attributes must be verified by an authorized and trained representative of the CSP. As with IAL2, attributes can be asserted by CSPs to RPs in support of pseudonymous identity with verified attributes.
• AAL refers to the authentication process.
  • AAL1: AAL1 provides some assurance that the claimant controls an authenticator bound to the subscriber’s account. AAL1 requires either single-factor or multi-factor authentication using a wide range of available authentication technologies. Successful authentication requires that the claimant prove possession and control of the authenticator through a secure authentication protocol.
  • AAL2: AAL2 provides high confidence that the claimant controls authenticator(s) bound to the subscriber’s account. Proof of possession and control of two distinct authentication factors is required through secure authentication protocol(s). Approved cryptographic techniques are required at AAL2 and above.
  • AAL3: AAL3 provides very high confidence that the claimant controls authenticator(s) bound to the subscriber’s account. Authentication at AAL3 is based on proof of possession of a key through a cryptographic protocol. AAL3 authentication SHALL use a hardware-based authenticator and an authenticator that provides verifier impersonation resistance; the same device MAY fulfill both these requirements. In order to authenticate at AAL3, claimants SHALL prove possession and control of two distinct authentication factors through secure authentication protocol(s). Approved cryptographic techniques are required.
• FAL refers to the strength of an assertion in a federated environment, used to communicate authentication and attribute information (if applicable) to a relying party (RP).
  • FAL1: Allows for the subscriber to enable the RP to receive a bearer assertion. The assertion is signed by the IdP using approved cryptography.
  • FAL2: Adds the requirement that the assertion be encrypted using approved cryptography such that the RP is the only party that can decrypt it.
  • FAL3: Requires the subscriber to present proof of possession of a cryptographic key referenced in the assertion in addition to the assertion artifact itself. The assertion is signed by the IdP and encrypted to the RP using approved cryptography.

Identity proofing establishes that a subject is who they claim to be.  The process of identity proofing can be translated to other claims made in a verifiable credential.  Digital authentication establishes that a subject attempting to access a digital service is in control of one or more valid authenticators associated with that subject’s digital identity. For services in which return visits are applicable, successfully authenticating provides reasonable risk-based assurances that the subject accessing the service today is the same as that which accessed the service previously.  This directly translates to the usage of verifiable credentials

In addition to NIST levels above,  other standards have addressed levels of assurance that are applied to the classess of verifiable credeintials:

Pan-Canadian Trust Framework (PCTF) Levels of Assurance (LOA) Qualifiers
The current version of the PCTF conformance criteria use the four PanCanadian Levels of Assurance (LOA):

• Level 1: little or no confidence required
• Level 2: some confidence required
• Level 3: high confidence required
• Level 4: very high confidence required

5.6.4 eIDAS Qualifiers
Qualifiers may be based on the three levels of assurance defined by
the European Regulation No 910/2014 on electronic identification and
trust services for electronic transactions (known as “eIDAS”):
 Low: low degree of confidence
 Substantial: substantial degree of confidence
 High: high degree of confidence
5.6.5 Vectors of Trust (VoT) Qualifiers
Qualifiers may be based on Vectors of Trust, a proposed IETF standard
(RFC 8485, October 2018). Currently, the VoT proposal consists of four
components that may be used as qualifiers:
 Identity Proofing (P): describes how likely it is that a given
digital identity transaction corresponds to a particular, realworld
identity
subject


Primary Credential Usage (C): defines how strongly the
primary credential can be verified by the TDIP
 Primary Credential Management (M): conveys information
about the expected lifecycle of the primary credential in use,
including its binding, rotation, and revocation
 Assertion Presentation (A): defines how well the TDI can be
communicated across the network without information leaking
to unintended parties and without spoofing

in order to define discrete class of verifiable transactions, it is key to identify the variables that make a credential more trustable.  The following are factors embodied in the class definitions:

• Credential defined in a Governance Framework at a stated level of assurance
• The degree of assurance that the public key of the signer in a verifiable credential is matched to the possessor of the private key
• The degree of authentication of data that is performed on the contents of a verifiable credential
• The security and protection of the wallet containing the credential
• The security and availability of a registry containing in the credential (if not held in a wallet)
• The security and availability of the public key in a credential for verification purposes
• The trustworthiness of the personnel and infrastructure of the Issuer of a verifiable credential
• The asserted policies of the Issuer
• The degree that practices that meet the Issuer policies are part of a trust assurance scheme
• The rigor of a trust assurance scheme of the ecosystem that governs the credential

Class 1 – Untrusted

• Credential defined in a Governance Framework at a stated level of assurance: No
• The degree of assurance that the public key of the signer in a verifiable credential is matched to the possessor of the private key: No assurance
• The degree of authentication of data that is performed on the contents of a verifiable credential: None
• The security and protection of the wallet containing the credential: None
• The security and availability of a registry containing in the credential (if not held in a wallet): No controls
• The security and availability of the public key in a credential for verification purposes: No requirements
• The trustworthiness of the personnel and infrastructure of the Issuer of a verifiable credential: No requirements
• The asserted policies of the Issuer: No requirements
• The degree that practices that meet the Issuer policies are part of a trust assurance scheme: No trust assurance scheme
• The rigor of a trust assurance scheme of the ecosystem that governs the credential: No trust assurance scheme
• Mapped Level to other Standards:
  • NIST 800-63-3: IAL1, AAL1, FAL1
  • PCTF: Level 1

Class 2 – Minimum Internet Grade

• Attributes of Class:
  • Minimum Level of Assurance Covered by ToIP Foundation Guidance
• Examples of Transactions: Identity Credential Used for non-Asset Transfer
• Examples of Verifiable Credentials
• Governance Mechanisms
• Underlying Infrastructure
• Trust Assurance Practices
• Mapped Level to other Standards:
  • NIST 800-63-3: IAL2, AAL2, FAL?
  • PCTF: Level 2
  • eIDAS: Simple

Class 3 – Asset Value Grade

• Attributes of Class:
  • Identity Credential Used for Asset Transfer
• Examples of Transactions: AML/CFT
• Examples of Verifiable Credentials
• Governance Mechanisms
• Underlying Infrastructure
• Trust Assurance Practices
• Mapped Level to other Standards:
  • NIST 800-63-3: IAL2, AAL3, FAL?
  • PCTF Level 3
  • eIDAS: Qualified

Class 4 – High Assurance Grade

• Attributes of Class:
• Examples of Transactions:
• Examples of Verifiable Credentials
• Governance Mechanisms
• Underlying Infrastructure
• Trust Assurance Practices
• Mapped Level to other Standards:
  • NIST 800-63-3: IAL3, AAL3, FAL?
  • PCTF Level 4
  • eIDAS: Qualified