Two of the well-used solutions to identity in the U.S. are login.gov (government-managed) and id.me (private, but used by government). Basically to get setup, at some point you have to have physical presence to get an actual government-approved physical ID, which can still be a barrier to some, but it doesn’t require a bank account.
Just don’t implement your own like Discourse and Tea.app.
FWIW discord did not implement their own (sensibly), but since the british government does not provide this service it basically mandates possibly dodgy middlemen.
My understanding is that discord uses (contracted?) https://www.k-id.com/
Another victim of auto-correct!
This right here. Just look at what happened with visa/mastercard this week, private institutions can and will cave to special interest groups advocating to block access to legal content.
There is no centralized ID number, the closest is your social security number but this is basically only outbound for PAYE tax and haphazardly correlated to your pension payments in late life.
Everything operates on a “trust system” where you often present paper (!) with whatever address you claim to be living at as proof you are real (e.g. opening bank accounts).
Passport loss is rectified by seeking out “professionals” with government-approved occupations that are not related to you that can vouch you are actually the person you are trying to replace a passport for.
The entire thing is a mess and living in digital-identity-native Europe is a dream come true that you should be extremely thankful for.
Until you find out that due to a cock up years ago the National Insurance numbers are not guaranteed to be unique, and you realize that somehow the best proof of identity British people have is a humble driving licence because DVLA is at least somewhat competent.
It's not that it was hard to fake before if you wanted to, but when you can just get a real PDF as a starting point, and edit it slightly it's just theatre.
https://en.wikipedia.org/wiki/BankID
Need to buy "toys", vape products, alcohol... anything adult online?
There's a 3rd party web app (you rightfully don't trust) as an age check in the shopping cart / user account of any of these adult shops, and this has multiple ways of verifying your age - and one of them is the bank's api, you pick it, your bank's identity sharing page loads, you log in, it shows exactly what information will be shared in a bullet point list, you tap OK, immediately a request like "this app wants to know your age, please verify" pops up in your smart banking app on your phone, you tap ok, fingerprint scan, DONE.
Problem solved. The 3rd party app knows just what it needs to. All of this takes maybe a minute and your personal info is perfectly safe (unless you don't trust your bank at which point you have bigger problems to worry about...)