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Why We Must Close Identity Gaps Before AI Agents Start Transacting
Prove's Frances Zelazny says that we need to fix the identity systems people rely on today before trusting them to support what comes next.
Published: September 30, 2026
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Learn More about the author: Why We Must Close Identity Gaps Before AI Agents Start Transacting
Key takeaways
- AI agents need trusted human identity at the root. Agentic commerce is only as secure as the identity of the person authorizing the agent. The Financial Revolutionist
- Legacy authentication creates gaps attackers can exploit. Passwords, SMS OTPs, and knowledge-based authentication remain vulnerable as fraud becomes more sophisticated. The Financial Revolutionist
- Identity must persist across the customer lifecycle. Verification should connect enrollment, device registration, authentication, account recovery, and other interactions. The Financial Revolutionist
- Digital wallets and verifiable credentials require a strong identity foundation. More advanced identity infrastructure cannot compensate for weak initial verification. The Financial Revolutionist
- Persistent identity can close the gaps between verification events. Maintaining a trusted connection to the originally verified person makes it harder for attackers to take over accounts or impersonate legitimate users.
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