Session Abstract: Digital credentials -- be they mdoc or W3C DID based -- can be presented in a variety of ways directly to a service or individual that does not necessarily require an intermediate service. This is true generally for payments and in-person presentation of government-issued IDs. How could this possibly effect customer onboarding and verification of their claims? And how do verifiers roles change based on this emerging online paradigm? This panel of experts from different agency initiatives will discuss the need for required assured digital identities now that we live much of our lives online. This panel will open with the concept behind a mobile driver license (mDL) -- what it is and and what isn't. We'll also discuss where verifiable credentials exist and the current dichotomy of standards development for mDL and digital certificates (VC) and how they can be reconciled. Additionally, the panel will talk about current U.S. and international implementations and security and privacy considerations around mDL. (That includes upcoming NIST IR on security and privacy considerations for implementing mDL.) Security and privacy for mDL will become increasingly important over coming months as more states issue mDL. Finally, we'll tackle how mDL can fit into other identity proofing processes. These processes have long relied on document foundations, but that will change as we have drivers licenses in digital form.