FIS Global Says Banks Must Verify Which AI Agent Initiated the Transaction

When an AI agent buys something on your behalf, who is actually authorizing the transaction? For a long time, the industry has treated this as a problem for specific corners of the financial world. Issuers have looked at it through Amex Proof of Intent , networks have explored Credential Convergence , and agent developers have focused on Muse identity . Now, the conversation has moved to the middle of the stack. The processor steps in FIS Global has become the first major payments processor to publicly frame the agent authorization question. This positioning is notable because the processor layer sits between merchants and issuers, meaning it sees the transaction from both sides.

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