Each of the three spent the past year shipping its own agent payment protocol. Know Your Agent reconciles those stacks rather than building a new one, and none of them has said who pays when an agent buys the wrong thing.
Perspective Coverage
4 publishers
- Builder
- Builder 35%
- Operator
- Operator 37%
- Investor
- Investor 28%
Reality
- Evidence55
- Adoption20
- Hype gap+35
- Incentives70
- Confidence60
buildOne report1 publisher AgentCard now issues a Mastercard token that expires after one purchase
Alchemy's agent credential links back to the user's own Mastercard, and both the user and the issuer can cap it by amount, merchant category and geography before the agent spends anything.
Reality
- Evidence44
- Adoption22
- Hype gap+14
- Incentives80
- Confidence50
buildOne report1 publisher Visa, Mastercard and Ant International each bring a different agent trust protocol to KYA
Three payment firms say they have started on a shared way to identify AI agents that pay. Each already ships a protocol covering part of the job. The authorization schema an agent builder would implement is still unwritten.
Reality
- Evidence30
- Adoption
- Not scored
- Hype gap+15
- Incentives55
- Confidence35
The engineering post behind Meta's new personal agent assumes the thing will be attacked through the mail it reads, and the bounty schedule says what one compromised user is worth. It does not say how often the model is fooled.
Reality
- Evidence58
- Adoption30
- Hype gap+24
- Incentives80
- Confidence55
Visa, Mastercard and Ant International agree to honor each other's AI agent registrations
The Sao Paulo framework promises that an agent registered with one network will be recognized by the others, with certification and continuous monitoring attached. No specification, governance body or timeline has been published.
Reality
- Evidence44
- Adoption27
- Hype gap+42
- Incentives79
- Confidence55