Experian announced Experian Agent Trust, a first-of-its-kind framework that establishes a secure, verifiable link between consumers and AI agents, bringing identity, and accountability to AI-driven transactions. Experian Agent Trust addresses this challenge through a new ?Know Your Agent? (KYA) framework, extending identity verification into the age of AI.
The framework ensures that agent-initiated transactions are grounded in verified consumer identity. Experian Agent Trust is being developed within a growing ecosystem of collaborative agentic commerce contributors, including Visa, Cloudflare, and Skyfire, who are leading the development of secure and scalable AI-driven commerce across payments, networks, and digital interactions. Within this ecosystem, Experian?s identity capabilities is designed to complement Visa Intelligent Commerce and Trusted Agent Protocol to support a layered framework for trust and secure agentic payments.
Experian Human to Agent Binding connects verified consumers, devices and AI agents, issuing a real time trust token that validates identity, and transaction risk. Trusted Agent Protocol allows merchants to identify and verify AI agents through Visa?s trusted network to help confirm an agent?s legitimacy and authorization to act on behalf of a consumer. Cloudflare enforces this trust layer at the network edge, where it already powers and protects approximately 20% of the world's internet traffic, and operates the next-generation AI stack to build, secure, and scale agents.
Visa Intelligent Commerce enables secure AI commerce transactions, using network tokenization. Skyfire offers an open, standardized way to package and exchange agent-related information across platforms, enabling interoperability and complementing existing identity and payment systems. Experian Agent Trust is designed to work with existing payment systems and frameworks, like Trusted Agent Protocol. At the center of the framework is Human-to-Agent Binding, which creates a secure, persistent link between verified individuals, their devices, and the AI agents.
This enables a continuous, auditable history between who the user is, and how the agent behaves over time. Experian issues an Agent Trust Token that validates identity, and transaction fraud risk in real-time. Together with the Experian Agent Registry, the system maintains dynamic trust scoring for AI agents based on behavior and other risk signals.
Experian Agent Trust services are platform-agnostic and built to scale with the evolving agent ecosystem. By establishing a trusted connection between humans and AI agents, Experian is helping define the foundation for secure, scalable agentic commerce. These capabilities extend Experian?s leadership in identity verification and fraud prevention, where its solutions help clients avoid an estimated $15?19 billion in fraud losses annually.
