The architecture battle between decentralized identity solutions and traditional siloed fintech onboarding systems is heating up. What makes this shift fascinating? Legacy fintech platforms lock user data in isolated silos—every new service means another KYC process, another document upload, another waiting period. Meanwhile, emerging decentralized identity protocols are flipping this model entirely. By creating portable, user-controlled identity layers, these systems let people verify once and move seamlessly across multiple platforms. The implications go beyond convenience—we're talking about fundamental shifts in data ownership, privacy control, and interoperability standards. For fintech infrastructure, this represents a potential architectural revolution that could redefine how digital financial services handle user verification at scale.