Self-sovereign iden­ti­ty is what sits in the mid­dle enabling indi­vid­u­als to man­age all these dif­fer­ent rela­tion­ships in a way that is sig­nif­i­cant­ly less com­plex than each of those insti­tu­tions need­ing to have a busi­ness rela­tion­ship with each oth­er to see those cre­den­tials.