In the country where I live we have a system which allows me to prove my identity online without having to show my ID (actually I must admit I'm quite impressed by this system). But sadly, Wise is not taking advantage of that..
Quite a few European countries have had something this for a while now.
There is an initiative (mandatory, for all member states!) to make these interoperable, which will hopefully make them more useful for applications like this.
Is that used by any private companies at all, i.e. can you open bank accounts or other sensitive private accounts with it?
login.gov is unfortunately only accepted by government services, and as far as I can tell only federal ones too – at least NY state has their own thing... (NY.GOV ID)
This pattern is up there with “SSN as an authentication bearer token” and needs to stop yesterday (but I’m not holding my breath for that).