I love this question - financial institutions ask us the same thing. Some people initially assume a @KnightIntelco profile means the user becomes completely doxxed because it can connect identity/KYC, traditional financial history, and Web3 data. But that’s not how we think about it. @KnightIntelco doesn’t issue a credit score — that’s the role of credit bureaus / scoring providers such as @TransUnion , @Experian , @Equifax , etc., and that activity is regulated separately depending on jurisdiction. What we provide is context: a machine-readable view of someone’s financial history and behavior so institutions don’t have to rely on fragmented PDFs and disconnected records. As for how much gets shared: the institution defines what it needs for the use case, and the user authorizes that scope. That might be 3–6 months of history, 1–2 years, or longer depending on regulatory requirements and the institution’s underwriting/compliance policy. For example, a lender may want a longer history because more context can help them make a better credit decision. And this isn’t only useful for immigrants or cross-border users. A lot of perfectly normal people now earn outside traditional payroll — Shopify merchants, YouTubers, creators, freelancers, crypto users, etc. @KnightIntelco can aggregate those fragmented signals too. So the short answer is: it depends on the regulatory requirement, the institution’s use case, and what the user consents to share. That’s really the point of @KnightIntelco: more context, without assuming everyone’s financial life fits inside one bank statement or one country.