First-of-its-kind human-to-agent binding service for secure AI-driven commerce, developed with a growing ecosystem of agentic commerce collaborators, including Visa, Cloudflare and Skyfire

Experian has announced the launch of Experian Agent Trust™, a first-of-its-kind framework designed to establish a secure and verifiable connection between consumers and AI agents, introducing identity, accountability, and trust into AI-driven transactions. The initiative aims to address growing concerns around autonomous commerce, where AI agents increasingly act on behalf of users in digital interactions and purchasing decisions.

As AI agents begin to search, recommend, and transact independently, businesses face a fundamental challenge: how to verify and trust actions that are no longer directly initiated by humans. Without a reliable mechanism to link AI agents to verified individuals, organizations risk exposure to fraud, misrepresentation, and unauthorized transactions. Experian Agent Trust is built to solve this challenge by ensuring that every agent-driven action is tied to a confirmed human identity.

At the core of the framework is a new “Know Your Agent” (KYA) model, which extends traditional identity verification practices into the AI era. This approach validates not only the AI agent itself but also the human behind it and their intent, ensuring that transactions remain secure and accountable. Kathleen Peters, Chief Innovation Officer at Experian, emphasized the importance of trust in scaling autonomous commerce, noting that verifying the agent, the individual, and their purchasing intent is essential to enabling widespread adoption.

Experian is developing Agent Trust within a broader ecosystem of industry leaders, including Visa, Cloudflare, and Skyfire. Together, these organizations are working to establish a secure and scalable foundation for agentic commerce across payments, network security, and digital interactions.

The framework introduces a multi-layered trust architecture designed to support secure AI-driven transactions. Experian’s Human-to-Agent Binding capability plays a central role by linking verified consumers, their devices, and AI agents through a real-time trust token that validates identity and transaction risk. This ensures that every action performed by an AI agent can be traced back to a legitimate user.

Complementing this, Visa contributes its Trusted Agent Protocol and Intelligent Commerce infrastructure, enabling merchants to verify AI agents and securely process transactions through tokenized payment systems. Rubail Birwadker, SVP and Head of Growth Products and Partnerships at Visa, highlighted that trust remains critical as AI becomes more integrated into global commerce, and emphasized that Visa’s infrastructure is designed to support secure, large-scale agentic transactions.

At the network level, Cloudflare enforces the trust framework by securing interactions at the edge, leveraging its global infrastructure to protect and scale AI-driven applications. Stephanie Cohen, Chief Strategy Officer at Cloudflare, described the rise of AI agents as a transformative shift in digital commerce, noting that secure infrastructure is essential for enabling businesses to adopt agentic technologies with confidence.

Meanwhile, Skyfire provides an open and standardized protocol for packaging and exchanging agent-related data, enabling interoperability across platforms. Amir Sarhangi, CEO and co-founder of Skyfire, stated that agentic commerce depends on merchants being able to confidently identify transaction participants, while ensuring that AI agents can execute payments as reliably as humans.

A practical example of this ecosystem in action involves a consumer instructing an AI agent to find and purchase a product, such as noise-cancelling headphones. The agent evaluates available options, recommends a suitable product, and prepares the transaction. Once approved by the user, Experian’s Human-to-Agent Binding verifies that the agent is acting on behalf of a legitimate individual, ensuring the transaction’s authenticity.

Experian also issues an Agent Trust Token, which provides real-time validation of identity and fraud risk. Combined with the Experian Agent Registry, the system continuously evaluates AI agent behavior and assigns dynamic trust scores based on risk signals and historical activity. This creates an auditable and persistent record linking user identity with agent actions over time.

Designed to be platform-agnostic, Experian Agent Trust integrates with existing payment systems and digital frameworks, allowing it to scale alongside the evolving AI ecosystem. By creating a secure bridge between humans and AI agents, Experian is laying the groundwork for trusted, autonomous commerce while reinforcing its leadership in identity verification and fraud prevention.

As AI continues to reshape digital transactions, Experian’s Agent Trust framework represents a significant step toward enabling secure, transparent, and scalable agent-driven commerce.

Source : businesswire

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