TrvstHub is a decentralized identity and verification marketplace that connects three participant roles: requesters (institutions), subjects (users or entities being verified), and verifiers (identity providers). The platform enables institutions to request verifications through a competitive bidding system, where verifiers compete on price and speed. Completed verifications can be reused across multiple counterparties with user consent, eliminating the need for repeated data collection. Trust and verification quality are enforced through staking, dispute resolution, and token escrow settlement mechanisms — meaning verifiers bear a financial cost for poor-quality work and are rewarded for consistent quality. Every participant in the network is assigned a Universal Identity with a dynamic Verified Risk Score based on their verified claims and history. Institutions can filter and interact only with identities that meet their defined verification standards and risk thresholds. User data is encrypted using hybrid encryption, with users retaining control over their own keys and determining what data is shared with which counterparties and for how long. Key capabilities by participant type: - Requesters: On-demand verification requests via competitive bidding, access to verified risk scores, reduced onboarding friction. - Subjects: One-time verification reusable across institutions, consent-based data sharing, hybrid-encrypted data storage. - Verifiers: Token-based payment for completed verifications, access to a transparent marketplace where quality and speed determine success.