A joint perspective by Visa and Trusted Agents Ltd.

When AI Agents Act

Trust Frameworks and Governance for Agentic Commerce

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WHAT YOU WILL LEARN

Inside the paper

01 - Which AI agent acted?

Why stable, verifiable agent identifiers are needed to distinguish trusted agents from hostile automation.

02 - On whose behalf?

How mandates can express delegated authority between a person, organisation, agent and payment credential.

03 - Within what limits?

Why agentic commerce needs rules that are machine-readable, enforceable and revocable.

04 - What exactly did it do?

How evidence, provenance and audit trails support dispute resolution, liability and regulatory confidence.

The paper also covers:

  • The shift from AI that talks to AI that acts.
  • Why KYA, Know Your Agent, becomes a practical complement to KYC.
  • What merchants and acquirers must do to stay visible and safe.
  • How financial institutions can treat agents and mandates as first-class risk objects.
  • Why trust frameworks matter for policymakers, standards bodies and payment networks.
  • How Europe, North America and Asia are approaching agentic commerce from different starting points.

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