Trulioo joins Google's Agent Payments Protocol to secure AI agent-led transactions

Identity Platform Trulioo Joins Google's Agent Payments Protocol | PYMNTS.com

By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions. Trulioo will bring to the AP2 initiative its expertise in identity verification and trust infrastructure and will show how its Digital Agent Passport (DAP) can be used with AP2 to convey trust for agent-led transactions, the company said in a Thursday (Dec. 4) press release emailed to PYMNTS. "By joining AP2, we're helping define the identity backbone for autonomous payments, where verified agents transact transparently, responsibly and at machine speed," Trulioo CEO Vicky Bindra said in the release. "This is the architecture, and the future, of trusted agentic commerce." The Digital Agent Passport, a tamper-proof credential showing who built the agent, who it represents and what permissions it has, is at the heart of the framework of Know Your Agent (KYA), a concept designed to verify identities of AI-driven software agents, PYMNTS reported in July. The KYA concept was advanced in a white paper published by Trulioo and PayOS. The passport framework includes five key checkpoints: provenance, user binding, permission scope, real-time behavior telemetry and continuous risk scoring. Identity is the key to adoption of AI agents, Bindra told PYMNTS CEO Karen Webster in July. "There's still a lot of fear in how the system will operate and therefore some resistance to being proactive," Bindra said. "But we think we'll reach a tipping point in three or four months as networks become more certain about things like liability shifts. Issuers will be more definite, merchants will be more comfortable." Google introduced AP2 in September, saying the protocol was developed in tandem with payments and tech firms and is designed to "securely initiate and transact agent-led payments across platforms." PYMNTS reported at the time that for risk teams, AP2's biggest contribution is accountability. Each mandate documents what the user allowed, what the merchant promised, and what the network processed. That evidence can cut down on false disputes and help issuers make better approve-or-decline decisions. Agentic commerce will still need strong identity checks, but mandates could reduce fraud without adding friction.

Exclusive: Trulioo joins Google's AP2 initiative By Investing.com

Investing.com -- Trulioo is set to join Google's Agent Payments Protocol (AP2) initiative in a move that is expected to deepen the collaboration between the companies and expand trust standards for the emerging world of agent-led payments, Investing.com has learned. The move, which has not yet been publicly announced, will position Trulioo as a key identity-verification partner within AP2, Google's open, standardised framework designed to allow AI agents to initiate and complete payments on behalf of users while maintaining full transparency and authorization. AP2 is described as "a common language" for how autonomous agents will transact across financial institutions, fintechs and merchants. As part of AP2, Trulioo is expected to demonstrate how its Digital Agent Passport, or DAP, can operate within AP2 to establish a verifiable trust layer for agent-led transactions. Integrated with the company's Know Your Agent framework, the DAP will work as a "neutral trust fabric," ensuring each AI agent is authenticated and accountable before initiating any payment. Trulioo believes the stakes for identity infrastructure are rising as autonomous agents move closer to mainstream commerce. The move builds on Google's existing use of the Trulioo Global Identity Platform for Know Your Customer checks across its payments organisation, including fraud prevention and abuse mitigation.