How to verify identity without an SSN for Apple Wallet Verification?

Correct, US federal banking laws and regulations require banks positively identify their customers. Why is positive ID required?

The Patriot Act requires that lenders, banks etc obtain a confirmed ID.

“To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.”

Identity verification for Apple Card or Apple Cash

jadel272 wrote:

So I can’t add and use my wallet anymore?

Again, yes, you will need that social security number or an equivalent for most financial-related activities in the US.

You won’t be able to do pretty much anything financial-related in the US without what amounts to the national ID number; without the social security number (SSN), or a taxpayer identification number (TIN) for those ineligible for an SSN, or an employer ID (EID) for legal entities other than people.

That restriction applies to obtaining banking, jobs, obtaining government benefits, trading stocks and bonds, and of course taxes and withholdings, among other activities. And definitely applies to the know-your-customer (KYC) requirements for banking and financial transfers of money past comparatively trivial amounts.

The social security number is also effectively your taxpayer ID.

You’ll need to have that number for most financial-related activities in the US.