Know Your Agent (KYA) for Agentic Commerce
Microblink’s Know Your Agent (KYA) helps organizations verify, authorize, and control AI agents acting on behalf of users, enabling trusted agentic commerce while preventing unauthorized transactions, abuse, and fraud at scale.
CHALLENGE
AI agents are beginning to transact independently, but identity systems weren’t built for non-human actors.
THE SOLUTION
Microblink extends identity verification to include not just users, but the AI agents increasingly acting in the digital realm. By leveraging Model Context Protocol (MCP) and identity signal binding, the system verifies that an agent is authorized, linked to a verified identity, and operating within defined permissions. Instead of treating transactions as isolated events, organizations gain continuous visibility into who is acting, on whose behalf, and with what authority. This ensures malicious or rogue agents are identified and prevented from transacting. The end result is secure, automated commerce without sacrificing control.
How it works
Agent activity is initiated within a transaction, generating identity, device, and contextual signals tied to both the agent and the user.
The system confirms the underlying user identity and validates that the agent is properly authorized and linked to that identity.
Agent behavior and permissions are evaluated against expected parameters using contextual and protocol-level signals (e.g., MCP).
Real-time decisioning determines whether the agent can proceed, requires step-up verification, or should be blocked.
KEY BENEFITS
Ensure every agent is explicitly tied to and approved by a legitimate user.
Block spoofed, hijacked, or rogue agents before they can act.
Allow trusted agents to transact seamlessly without manual intervention.
Understand how agents act across sessions, transactions, and platforms.
Extend identity verification to support emerging agent-driven commerce models.
Ensure every agent is explicitly tied to and approved by a legitimate user.
Block spoofed, hijacked, or rogue agents before they can act.
Allow trusted agents to transact seamlessly without manual intervention.
Understand how agents act across sessions, transactions, and platforms.
Extend identity verification to support emerging agent-driven commerce models.
FEATURES & FUNCTIONALITY
Microblink enables organizations to move beyond traditional identity verification and toward continuous control over all actors in a system, whether human or agent. By binding agent activity to verified identities, the platform ensures that every transaction can be traced back to a legitimate source of authority.
Through integration with protocols like MCP, Microblink validates not only identity, but also delegation by confirming that an agent is acting on behalf of the correct user and within approved authorization boundaries. This creates a verifiable chain of trust around autonomous actions while enabling robust audit logs and point-in-time authority tracking.
By combining identity, device, behavioral, and contextual signals into a unified decisioning layer, organizations gain real-time control over agent-driven transactions. Flexible APIs and SDKs allow seamless integration into commerce platforms, enabling secure automation without disrupting user experience.
Microblink enables organizations to move beyond traditional identity verification and toward continuous control over all actors in a system, whether human or agent. By binding agent activity to verified identities, the platform ensures that every transaction can be traced back to a legitimate source of authority.
Through integration with protocols like MCP, Microblink validates not only identity, but also delegation by confirming that an agent is acting on behalf of the correct user and within approved authorization boundaries. This creates a verifiable chain of trust around autonomous actions while enabling robust audit logs and point-in-time authority tracking.
By combining identity, device, behavioral, and contextual signals into a unified decisioning layer, organizations gain real-time control over agent-driven transactions. Flexible APIs and SDKs allow seamless integration into commerce platforms, enabling secure automation without disrupting user experience.
Testimonials
Discover how Microblink can help your organization verify agents, prevent unauthorized transactions, and enable secure, scalable agent-driven commerce.
Microblink was very easy to integrate and allowed us to move quickly without compromising on security or compliance.
The SDK gave us a strong plug-and-play starting point, and the Microblink team was highly responsive throughout testing and rollout.
Overall, it was a very smooth experience.
— Mathieu Hartvick
Instacart
Software Engineer and Project Lead
Banco Azteca was able to easily implement BlinkID across multiple mobile applications and use cases, whether users were trying to open a bank account or apply for a loan.
We couldn’t be more impressed with how agile and versatile it is, seamlessly integrating with our onboarding processes while delivering accurate, real-time results.
— Francisco León
Banco Azteca
IT Director
By integrating Microblink’s technology into our platform for automotive lenders across Mexico, we’ve been able to dramatically accelerate and optimize ID verification.
We’ve achieved a 98% success rate, making the entire KYC process faster, smoother, and more reliable for our business and our customers.
— Fabián Ramírez
Latin ID
Product owner
Microblink was very easy to integrate and allowed us to move quickly without compromising on security or compliance.
The SDK gave us a strong plug-and-play starting point, and the Microblink team was highly responsive throughout testing and rollout.
Overall, it was a very smooth experience.
— Mathieu Hartvick
Instacart
Software Engineer and Project Lead
Banco Azteca was able to easily implement BlinkID across multiple mobile applications and use cases, whether users were trying to open a bank account or apply for a loan.
We couldn’t be more impressed with how agile and versatile it is, seamlessly integrating with our onboarding processes while delivering accurate, real-time results.
— Francisco León
Banco Azteca
IT Director
By integrating Microblink’s technology into our platform for automotive lenders across Mexico, we’ve been able to dramatically accelerate and optimize ID verification.
We’ve achieved a 98% success rate, making the entire KYC process faster, smoother, and more reliable for our business and our customers.
— Fabián Ramírez
Latin ID
Product owner
Latest
FAQ
Have another question?
Contact our team!
Organizations will likely see the earliest impact in areas where AI agents can initiate high-value or sensitive actions, such as payments, account access, customer support workflows, travel booking, lending, and digital commerce transactions. As agentic systems become more common, businesses will need visibility into who authorized an action, which agent executed it, and whether it occurred within approved permissions.
Organizations can define authorization boundaries, transaction limits, behavioral policies, and approval requirements for AI agents operating within their environments. This allows businesses to determine what actions agents are permitted to take, when additional verification is required, and how exceptions or high-risk activities should be handled.
KYA is not a one-time verification process. Trust and authorization must be continuously evaluated as agents interact across systems, transactions, and workflows. This includes maintaining audit logs, monitoring behavioral anomalies, validating delegated permissions, and updating policies as risk conditions or agent capabilities evolve.
As AI agents begin making decisions and initiating actions autonomously, organizations need clear visibility into how and why those actions occurred. Explainability, auditability, and point-in-time authority tracking are becoming increasingly important for fraud investigations, operational governance, and regulatory compliance.
Discover how Microblink can help your organization verify agents, prevent unauthorized transactions, and enable secure, scalable agent-driven commerce.
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