Unlocking scalable, agentic commerce through Experian’s trusted data and identity leadership
Soon, you won’t be the one making the purchase.
Your AI will.
And it won’t just assist. It will act on your behalf.
We are entering a new phase of commerce where AI agents evaluate options, make decisions and complete transactions for consumers. This shift challenges a fundamental assumption commerce has always relied on: that a human is behind every transaction.
If an AI initiates a transaction, how does a business know it can trust it?
A new model of commerce needs a new model of trust
With the advent of agentic transactions, interactions between businesses and consumers are changing. AI agents are acting on consumers’ behalf, and the signals that establish trust, identity, intent and authorization are becoming harder for businesses to verify.
Without a clear connection between people and the AI acting for them, agentic commerce introduces new risks: fraud, misrepresentation and unauthorized transactions.
What is needed is a new trust model for commerce. One that verifies the individual, the agent and the intent behind every action.
Building the trust layer for agentic commerce
Experian Agent Trust™ is designed to address this challenge.
It brings identity, and accountability into AI driven transactions, giving businesses the confidence to engage in this new model of commerce.
Experian is uniquely positioned to lead in this space. Today, our identity verification and fraud detection solutions help clients avoid an estimated 15 to 19 billion dollars in fraud losses each year. Experian Agent Trust extends that foundation to a world where AI agents initiate transactions.
Agentic commerce will not scale without trust. Knowing there is a verified person associated with the autonomous shopping agents will be critical to building this trust.
At the center of this approach is Human-to-Agent Binding.
Human-to-Agent Binding creates a secure link between a verified consumer, their device and the AI agent acting on their behalf. Each agentic transaction can be traced back to the human who initiated the transaction.
This capability is part of a broader Know Your Agent framework that extends identity verification into the age of AI.
Trust is built across the ecosystem
Establishing trust in agent driven commerce requires coordination across the ecosystem.
The emerging standards and frameworks put forth by agentic commerce ecosystem contributors including Visa, Cloudflare and Skyfire form a layered trust framework that connects identity, payments and network validation, creating a secure path from intent to transaction.
Consider a simple interaction that is quickly becoming possible in agent-driven commerce.
A consumer might ask their AI agent to find the best noise-cancelling headset for an upcoming trip. The agent evaluates options based on preferences, selects a recommendation, for example a set of Bose headphones, and prepares the transaction for approval. Once authorized, Human-to-Agent Binding confirms the agent is acting on behalf of a verified individual, every step of the journey.
The experience remains simple and convenient for the consumer. At the same time, the business has confidence that the transaction is being made by a verified consumer.
As AI agents take on a greater role in commerce, accountability becomes essential. Experian Agent Trust includes an Agent Trust Token that provides a real time signal of identity, consent and fraud risk, supported by an Agent Registry that continuously evaluates behavior over time.
The framework is platform agnostic and designed to integrate with existing systems, allowing businesses to scale trusted interactions without disruption.
Defining the next era of commerce
AI agents will reshape how consumers and businesses interact.
They will unlock new levels of convenience and personalization, while also introducing new complexity.
The organizations that succeed will be those that can establish trust across every interaction, including those initiated by AI.
Experian Agent Trust represents a foundational step in defining the trust layer for agentic commerce, extending Experian’s leadership in identity verification and fraud prevention into this next era.
Because agentic commerce is not just an evolution of digital commerce.
It is a new system.
And every system needs a foundation.
Experian is helping build the trust layer that makes agentic commerce possible.