COSTA MESA, Calif.—Experian said it has launched what it is calling a first-of-its-kind framework designed to bring identity verification and accountability to AI-driven transactions, as companies across payments and commerce race to address trust risks tied to autonomous AI agents.
The company said its new Experian Agent Trust framework is built around a “Know Your Agent” model intended to create a secure, verifiable link between consumers and AI agents, helping businesses confirm that an agent-initiated transaction is tied to a verified human and authorized intent. Experian said the offering is aimed at reducing risks tied to fraud, misrepresentation and unauthorized transactions as AI agents begin searching and transacting with less direct human involvement.
Experian said the system centers on what it calls Human-to-Agent Binding, which connects verified consumers, devices and AI agents, and issues a real-time trust token designed to validate identity and transaction risk. The company said the framework also includes an Agent Trust Token and an Agent Registry that maintains dynamic trust scoring for AI agents based on behavior and other risk signals.
Experian said the framework is being developed alongside a broader ecosystem that includes Visa, Cloudflare and Skyfire, with each company contributing pieces of what it described as a layered trust stack for agentic commerce. Visa said its Visa Intelligent Commerce and Trusted Agent Protocol are intended to provide a secure foundation for AI-enabled transactions, while Cloudflare and Skyfire are focused on network enforcement and interoperability.
In announcing the initiative, Experian said agentic commerce “will not scale without trust,” arguing that future AI-driven payments will require verification not just of the consumer, but of the agent acting on that consumer’s behalf. The company said the framework is designed to work with existing payment systems and protocols as autonomous commerce moves closer to mainstream use.