01Operating context
Skipify is a Bay Area fintech company building identity-powered checkout for merchants, shoppers, and financial institutions. Its Commerce Identity Cloud recognizes shoppers (often via email), authenticates them, and presents eligible payment methods inside the merchant checkout without forcing a full redirect or wallet install. Public materials describe partnerships with major card networks and issuers and an SDK-based integration model for ecommerce sites.
02The challenge
Traditional guest checkout is slow and error-prone: shoppers re-enter payment and shipping data, carts abandon, and merchants struggle to keep credentials fresh across devices and channels.
03The approach
An identity-aware checkout stack that can recognize returning shoppers, verify identity, and present current payment options from financial-institution sources — delivered as embeddable checkout experiences rather than a bolted-on wallet.
04What was delivered
Product engineering and systems integration around modern checkout flows, platform connectors, and interactive payment UX aligned to Skipify’s identity-commerce model.
05Evidence boundary
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