Without verified human intent, agentic commerce stalls. Banks won't approve it. Merchants won't fulfil it. Issuers will reject it.
Confirming there is a real, authorised human behind every agent transaction isn't just a safety question — it's the unlock that makes the whole system go.
The industry's answer so far: verify the agent. Build a register. Check the list. Gate by credential.
It is not enough. An agent can be registered and still be compromised. It can be credentialled and still be manipulated. It can pass every check on entry and act against the human's interest mid-session.
The attack surface isn't the agent's identity — it's the chain between the human and the transaction. A well-listed agent is not a safe agent.
What the system needs is verified intent mandates and delegated authority — confirmed at the moment of the transaction. For complex transactions, regulated payments, and B2B flows, this is the only assurance that holds.
Not at onboarding. Not by proxy. Confirmed at the moment of instruction — and under PSD3, mandatory for every high-value, automated, and regulated transaction.
The directive is clear: where automation touches regulated payments, human authorisation must be traceable, delegated, and verifiable. This is not optional infrastructure. It is the compliance requirement the entire agentic stack is missing.
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