A computer-implemented system and method for pool-based identity authentication for service access without use of stored credentials is disclosed. The method in an example embodiment includes providing provisioning information for storage in a provisioning repository; receiving a service request from a service consumer, the service request including requester identifying information; generating an authentication request to send to an authentication authority, the authentication request including requester identifying information; receiving validation of an authenticated service request from the authentication authority; and providing the requested service to the service consumer.