Experian has introduced a new framework aimed at addressing a core challenge in agent-driven commerce: how to verify and trust transactions initiated by AI systems on behalf of consumers.
The offering, called Experian Agent Trust, is designed to create a verifiable link between individuals and the AI agents acting on their behalf. As agents begin to handle tasks such as product selection and purchasing, establishing identity and authorization becomes a prerequisite for broader adoption.
At the center of the framework is what Experian calls “human-to-agent binding,” which connects a verified consumer, their device, and the agent itself. The system generates a trust token in real time to validate identity and assess transaction risk. It also maintains a registry that tracks agent behavior over time, contributing to dynamic trust scoring.
The initiative is being developed alongside a group of ecosystem partners, including Visa, Cloudflare, and Skyfire, reflecting a broader industry push to define standards for agent-based transactions. The framework is designed to integrate with existing payment systems and emerging protocols such as Trusted Agent Protocol.
The announcement comes as enterprises experiment with agentic commerce models, where AI systems can search for products, make recommendations, and execute transactions with minimal human involvement. While the model promises efficiency gains, it introduces new risks tied to fraud, misrepresentation, and unauthorized actions.
“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.”
Experian said the framework is platform-agnostic and intended to support interoperability across agents, merchants, and payment networks, positioning identity verification as a foundational layer for scaling AI-driven transactions.