Optimizes payment acceptance rates and enhances transaction security by leveraging a private network of first-party data from major companies. It utilizes multi-party computation to enable secure, anonymous validation of customer identities and risk assessment without sharing sensitive data. The product generates a trust score based on consensus from network members, allowing payment processors and merchants to make accurate risk-based decisions while maintaining privacy and compliance with regulations such as GDPR. This approach aims to increase transaction approval rates, reduce fraud, and improve customer experiences without exposing identifiable information.