Experian Agent Trust
Verify identity, intent and authorization for consumers and the AI agents acting on their behalf.
Trust is the foundation of agentic commerce
AI agents are transforming how consumers shop and transact. But as transactions shift from user-initiated to agent-executed, businesses must verify who’s behind each action and what’s been authorized.
Experian® Agent Trust introduces a Know Your Agent (KYA) framework that connects identity, intent and risk mitigation, so businesses can enable AI-driven commerce with confidence.
57.5%
of HTML web request are now automated by bots rather than humans
Cloudflare Radar, June 2026
693%
YoY growth in GenAI-driven traffic to U.S. retail sites during the holiday season
Adobe Analytics, January 2026
31%
of consumers have already used AI tools to shop and transact online
2026 Experian Identity & Fraud Trends Report
Verify identity and payment
Confirm the individual and payment method, issue a KYA trust token.
Bind human to agent
Link consumer, device and AI agent securely.
Validate intent and risk
Evaluate identity, consent, intent, and agent behavior over time.
Enable secure transactions
Execute tokenized payments and return decisions to the agent and user.
Bring trust to AI-driven commerce
Enable secure, transparent transactions powered by verified identity and intent
Human-to-Agent Binding creates a persistent, verifiable link between a consumer, their device and the agent acting on their behalf, so every agentic transaction traces back to a real, verified person.
The Agent Trust Token combines identity, consent and fraud risk into a single tokenized signal delivered at the point of transaction, enabling real-time decisioning without adding friction to the consumer experience.
The Agent Registry maintains dynamic trust scores built from agent behavior over time, so you can approve known-good agents and challenge or block the ones you can't verify.
Validate what the consumer actually authorized — the purchase, the amount, the merchant — ensuring an agent cannot act beyond the scope of human approval.
Transparent, consent-based interactions give consumers visibility and control, and give your teams an auditable record for disputes, chargebacks and compliance review.
A platform-agnostic Application Programing Interface (API) integrates with the commerce, payment and fraud systems you already run, and interoperates with partners across the agentic commerce ecosystem.
Identity depth, not a point solution
Agent Trust is built on the identity and fraud infrastructure enterprises already rely on, the same foundation that helped our clients avoid an estimated $19 billion in fraud losses globally in 2025.
Built inside the ecosystem, not around it
Developed with Visa, Skyfire, Akamai, Cloudflare, J.P. Morgan Payments, Firmly, Fastly and a growing list of ecosystem partners, so trust is enforced where agent traffic actually travels: at the network edge and inside the payment flow.
Ready before the standards settle
Aligned to the emerging KYA approach and open agent protocols, so moving early on AI-driven commerce doesn't turn into rework later.
Frequently asked questions
Know Your Customer (KYC) verifies the person opening an account. Know Your Agent (KYA) extends that discipline to the AI agent acting on that person's behalf, confirming the agent is bound to a verified consumer, is operating within what that consumer authorized and has behaved legitimately over time. KYA doesn't replace KYC; it closes the gap KYC was never designed to cover.
Human-to-Agent Binding establishes a secure, persistent link between a verified consumer, their device and the agent acting for them. Agent Trust issues an Agent Trust Token, a real-time signal of identity, consent and fraud risk, so every agent-executed transaction can be traced back to the human who initiated it.
Agent Trust is platform-agnostic and delivered via API, so it works alongside the commerce, payment and fraud decisioning systems you already run rather than replacing them.
No. Agent Trust adds a trust signal into your existing decisioning flow and interoperates with ecosystem partners across payments and network infrastructure, so you can start with a single use case, such as agent-led checkout, and expand from there.
- Solutions
- Advanced analytics and modeling
- Collections and debt recovery
- Credit decisioning
- Credit profile reports
- Customer engagement and retention
- Data reporting and furnishing
- Data sources
- Data quality and management
- Fraud management
- Global data breach services
- Identity solutions
- Marketing solutions
- Regulatory compliance
- Risk management
- Workforce management