Experian has officially introduced Experian Agent Trust™, a pioneering framework designed to bring trust, identity, and accountability into the rapidly evolving world of AI-driven commerce. As businesses increasingly rely on autonomous AI agents to perform transactions and decision-making, the need for a secure and verifiable connection between humans and machines has become more urgent than ever.

To address this challenge, Experian has rolled out its innovative “Know Your Agent” (KYA) framework. This system extends traditional identity verification into the AI era, ensuring that every transaction initiated by an AI agent remains firmly tied to a verified human identity. As a result, businesses can significantly reduce risks such as fraud, misrepresentation, and unauthorized purchases.

“Agentic commerce will not scale without trust,” said Kathleen Peters, Chief Innovation Officer at Experian. “What’s required is verifying the agent, the human behind it, and their intent to purchase. This is a natural extension of Experian’s verification role in the ecosystem. We already help define trust in financial transactions; now we’re bringing that same leadership to agentic commerce.”

Moreover, Experian is not building this ecosystem alone. It is collaborating with industry leaders such as Visa, Cloudflare, and Skyfire to create a scalable and secure foundation for AI-powered transactions. Together, these companies are shaping the future of agentic commerce across payments, networking, and digital interactions.

Within this ecosystem, Experian contributes its identity verification expertise to complement Visa Intelligent Commerce and Trusted Agent Protocol. Its Human-to-Agent Binding technology plays a critical role by linking verified individuals, devices, and AI agents. It also generates real-time trust tokens that validate identity and assess transaction risks.

Meanwhile, Cloudflare strengthens this trust layer at the network edge, securing a significant portion of global internet traffic while enabling scalable AI agent deployment. At the same time, Skyfire enhances interoperability by offering standardized methods to exchange agent-related data across platforms.

“Visa has spent decades earning trust across global commerce, which matters even more as AI becomes part of how transactions happen,” said Rubail Birwadker, SVP, Head of Growth Products and Partnerships at Visa. “As the ecosystem evolves and approaches like Experian’s human-to-agent identity binding capabilities emerge, Visa Intelligent Commerce and Trusted Agent Protocol are designed to provide the secure foundation for agentic commerce experiences at global scale.”

“The rise of AI agents represents one of the most significant shifts in the history of digital commerce, but it can only succeed if the underlying infrastructure is rooted in trust,” said Stephanie Cohen, Chief Strategy Officer at Cloudflare. “Cloudflare is the best place to build and secure agents. By combining our network footprint with Experian’s identity expertise, we’re giving any business the tools to participate in agentic commerce with confidence.”

“Agentic commerce only works if merchants can confidently understand who they are transacting with, and if agents can pay as reliably as people do,” said Amir Sarhangi, CEO and co-founder of Skyfire. “Through our collaboration with Experian’s Agent Trust ecosystem and our work on the Know Your Agent (KYAPay) protocol, we’re helping enable a seamless, interoperable trust layer that brings together identity and payments to unlock the full potential of autonomous transactions.”

For example, a consumer may instruct an AI agent to search for the best noise-canceling headphones. The agent evaluates preferences, suggests options like a Bose headset, and prepares the purchase. Once approved, Experian’s Human-to-Agent Binding ensures the transaction originates from a verified individual.

Ultimately, Experian’s Agent Trust framework integrates seamlessly with existing systems while introducing an Agent Trust Token and registry. These tools continuously evaluate agent behavior, enabling dynamic trust scoring and strengthening fraud prevention in real time.

Source- experianplc.com

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