Experian has launched Experian Agent Trust, a framework that establishes a secure, verifiable link between consumers and AI agents.
As AI agents begin to search and transact autonomously, they introduce a fundamental challenge for businesses: how to trust an action when it is no longer driven by a human. Without a verified connection between humans and AI agents, autonomous commerce introduces new risks in fraud, misrepresentation, and unauthorised 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.
“Agentic commerce will not scale without trust,” says 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.”
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 tokenisation.
- Skyfire offers an open, standardised way to package and exchange agent-related information across platforms, enabling interoperability and complementing existing identity and payment systems.