The post has been translated automatically. Original language: English
Imagine a classic bank marketer. He spent six months coming up with an action: "Form a card, get 5% cashback on a latte and a nice sticker on your phone."
And now the reality:
Your potential client no longer scrolls through social media and chooses cards. His autonomous AI agent does everything for him.
The agent doesn't give a damn about the design of the app, the color of the plastic and the cute cat on the banner.
He cares about exactly 3 things:
1. API speed (in milliseconds)
2. Transaction fee
3. Will they open an account for him in 0.00001 seconds so that he can book a hotel or buy servers
Spoiler alert: By 2030, these "bots with virtual wallets" will run through themselves from $1.7 to $5 trillion. All the usual B2C banks instantly turn into B2A (Business-to-Agent).
And so a happy AI agent comes to a traditional bank for a loan or an account for B2B purchases.
What does the bank's security service do?
· "Hmm, 10,000 requests per second from a single IP?"
· "Where's the passport?"
· "Where's the passport selfie?"
· "Where is the biometrics? Say "three hundred and thirty -three" into the microphone!"
Bottom line: The bank's security systems think they are being attacked by a Chinese hacker swarm, and stupidly ban the agent.
The bank is losing a trillion-dollar stream of customers simply because its KYC (Know Your Customer) is stuck in 2015 and knows how to check only two-legged people with a passport.
To prevent the bank from burning down with shame and losses, they came up with KYA (Know Your Agent).
It's like a "passport office" and "handcuffs" for AI all rolled into one:
1. Digital Passport (AgentID): The agent's passport, encrypted in cryptography. The bank immediately sees: "Yeah, it's not a hacker. This is a proven Nurzhan agent created by X YZ company."
2. Programmable shackles: The agent is not given "free will." Hard limits are embedded in his code: "Spend no more than $100 a day, buy only airline tickets, and do not go to the casino."
3. Immutable audit: Every agent action is recorded in the registry. If an agent went crazy and bought 1,000 wagons of rubble, you can immediately see whose joint it is and who is paying.
Whoever is building a "bank for people" is building a museum.
The winner will be the one who crosses fintech and KYA infrastructure first. Because the future does not belong to applications with beautiful buttons, but to protocols trusted by millions of autonomous machines.
Do your AI agents already have their digital passport, or are they still sitting without a license and a bank account?
Imagine a classic bank marketer. He spent six months coming up with an action: "Form a card, get 5% cashback on a latte and a nice sticker on your phone."
And now the reality:
Your potential client no longer scrolls through social media and chooses cards. His autonomous AI agent does everything for him.
The agent doesn't give a damn about the design of the app, the color of the plastic and the cute cat on the banner.
He cares about exactly 3 things:
1. API speed (in milliseconds)
2. Transaction fee
3. Will they open an account for him in 0.00001 seconds so that he can book a hotel or buy servers
Spoiler alert: By 2030, these "bots with virtual wallets" will run through themselves from $1.7 to $5 trillion. All the usual B2C banks instantly turn into B2A (Business-to-Agent).
And so a happy AI agent comes to a traditional bank for a loan or an account for B2B purchases.
What does the bank's security service do?
· "Hmm, 10,000 requests per second from a single IP?"
· "Where's the passport?"
· "Where's the passport selfie?"
· "Where is the biometrics? Say "three hundred and thirty -three" into the microphone!"
Bottom line: The bank's security systems think they are being attacked by a Chinese hacker swarm, and stupidly ban the agent.
The bank is losing a trillion-dollar stream of customers simply because its KYC (Know Your Customer) is stuck in 2015 and knows how to check only two-legged people with a passport.
To prevent the bank from burning down with shame and losses, they came up with KYA (Know Your Agent).
It's like a "passport office" and "handcuffs" for AI all rolled into one:
1. Digital Passport (AgentID): The agent's passport, encrypted in cryptography. The bank immediately sees: "Yeah, it's not a hacker. This is a proven Nurzhan agent created by X YZ company."
2. Programmable shackles: The agent is not given "free will." Hard limits are embedded in his code: "Spend no more than $100 a day, buy only airline tickets, and do not go to the casino."
3. Immutable audit: Every agent action is recorded in the registry. If an agent went crazy and bought 1,000 wagons of rubble, you can immediately see whose joint it is and who is paying.
Whoever is building a "bank for people" is building a museum.
The winner will be the one who crosses fintech and KYA infrastructure first. Because the future does not belong to applications with beautiful buttons, but to protocols trusted by millions of autonomous machines.
Do your AI agents already have their digital passport, or are they still sitting without a license and a bank account?
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