Know Your Agent: How the Payments Industry Is Building the Trust Layer OAuth and SAML Couldn’t

Money20/20 USA 2026 opens today at The Venetian in Las Vegas. Its Monday panel, “Know Your Agent: Here’s How Banks Are Updating Identity Verification,” brings Skyfire CEO Amir Sarhangi, Firmly CEO Kumar Senthil, PayOS co-founder Johnathan McGowan, VGS CEO Chuck Yu, and J.P. Morgan’s Frank Medrano to the ArrA.I.val Stage for thirty minutes on agent identity in payments. Authenticate 2026, hosted by the FIDO Alliance, opens tomorrow in Carlsbad with a dedicated Non-human Authentication track covering agentic AI, MCP, and API protection. Two major events, same 72-hour window, same structural problem. The timing is not coincidental. Ten trust-through-defaults incidents in twenty-one days have exposed every layer of the identity stack — framework, library, plugin, appliance, IdP, low-code, utility, browser-side, implementation-layer SaaS plumbing, and MSP credential layer.

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