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This is how it’s done in the Netherlands. You sign up for a bank account and they check your ID, your proof of residency, they do a video selfie, etc. It was impossible for me to get a Dutch bank account (as an American) until after I signed my apartment lease which was a bit of a catch-22 but not insurmountable.

But once that is all setup they have a system called digiID that is wonderful. Anytime your identification needs to be verified it’s done through your bank. I signed up for renters insurance, they did a little oauth thing with the bank, the bank asked which details I was willing to share (the insurance company asked for just last name, dob, and address) and I agreed. It took seconds.




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