What is Know Your Agent (KYA)?

Know Your Agent (KYA) is an identity verification framework developed by Trulioo and PayOS to establish trust in agent-led digital transactions. It verifies the agent’s developer, code integrity, user consent, and behavior in real time, ensuring every action in agentic commerce is traceable to a verified human and authorized agent.

Why is KYA important for agentic commerce?

As AI agents begin to act and transact on behalf of users, KYA provides the missing trust layer that connects human oversight with machine autonomy. It ensures agents can act securely within approved boundaries while protecting businesses from fraud and compliance risks.

How does KYA work in practice?

KYA weaves five verified checkpoints through an agent’s lifecycle—verifying the developer (KYB/KYC), locking the code, capturing user consent, issuing a Digital Agent Passport (DAP), and continuously validating each transaction. This creates a real-time chain of trust for every agent interaction.

Who benefits from implementing KYA?

Merchants, payment platforms, and regulators benefit from enhanced visibility and reduced risk in agent-driven transactions. Developers gain faster market access through verified trust signals, while users retain control and consent over their agent’s actions.

Blog Articles - Identity Insights

Trust and Safety

Article | 4 min

Know Your Agent (KYA) Meets the Market: The Maturing Landscape of Agentic Commerce

Agentic commerce is here. Discover how Trulioo and PayOS’s Know Your Agent (KYA) framework builds trust and identity for AI-driven transactions.

Identity Verification

Article | 4 min

What Is Biometric Authentication? How It Enhances Global Identity Verification

Explore biometric authentication and its role in modern identity verification and fraud prevention across global markets.

Compliance

Article | 6 min

Building Trust in a Fragmented Landscape: Money20/20 USA Recap

At Money20/20 USA, Trulioo and industry leaders shared how collaboration, innovation and trust can unify fragmented compliance systems.

Fraud and Risk

Article | 4 min

Can AI Beat AI? Inside the New Fraud Arms Race

Generative AI is reshaping fraud. Learn how Trulioo and industry leaders use AI to fight AI, strengthen identity and build digital trust.

The Hidden Costs of ‘Good Enough’: Identity Verification in the Age of Bots and Agents

Identity Platform

Article | 3 min

PYMNTS Report Highlights the Importance of Global Identity Platforms

Global firms lose 3.1% in revenue yearly due to weak identity verification. See how global identity platforms help fight fraud and boost onboarding.

Identity Platform

Article | 5 min

Efficiency in Action: How 2025’s Digital Identity Trends Took Shape

From cleaner data to real-time verification, explore how 2025’s digital identity trends proved that efficiency is the new measure of trust and innovation.

Page

Article | 4 min

What Is Money Laundering? [With Examples]

Understand what is money laundering and its impact on crime and finance. Learn about AML controls and regulations for businesses.

Payments

Article | 3 min

Building Secure Cross-Border Payments: A Verification Strategy for Global Growth

Discover how payments leaders can enable trusted global growth through automated verification, fraud prevention and compliance with Trulioo.

Individual Verification (KYC)

Article | 4 min

Automated KYC Verification Explained

Explore the benefits of automated KYC verification, enhancing compliance accuracy and efficiency for organizations globally.

Customer Onboarding

Article | 4 min

3 Key Insights: Fighting Fraud and Verifying Faster with Intelligent KYC and KYB Automation

Discover how intelligent KYC and KYB automation reduces onboarding costs, accelerates verification, and strengthens compliance. Learn 3 proven strategies from Trulioo to fight fraud, balance speed with security, and streamline business and customer verification.

Fraud and Risk

Article | 4 min

Building Trust Online® - Confidence for Online Consumers

Organizations meeting the needs of digital transformation through digital trust will drive business value by minimizing risk and building a safer world.

Trust and Safety

Article | 5 min

The Future of Agentic Commerce: Scaling Trust With Know Your Agent (KYA)

Discover how Know Your Agent (KYA) builds trust in AI-led commerce with identity, consent and compliance, scaling secure AI agent interactions.

Services

All articles

Know Your Agent (KYA) Meets the Market: The Maturing Landscape of Agentic Commerce

Know Your Agent (KYA) Meets the Market: The Maturing Landscape of Agentic Commerce

What Is Biometric Authentication? How It Enhances Global Identity Verification

What Is Biometric Authentication? How It Enhances Global Identity Verification

Building Trust in a Fragmented Landscape: Money20/20 USA Recap

Building Trust in a Fragmented Landscape: Money20/20 USA Recap

Can AI Beat AI? Inside the New Fraud Arms Race

Can AI Beat AI? Inside the New Fraud Arms Race

PYMNTS Report Highlights the Importance of Global Identity Platforms

PYMNTS Report Highlights the Importance of Global Identity Platforms

Efficiency in Action: How 2025’s Digital Identity Trends Took Shape

Efficiency in Action: How 2025’s Digital Identity Trends Took Shape

What Is Money Laundering? [With Examples]

What Is Money Laundering? [With Examples]

Building Secure Cross-Border Payments: A Verification Strategy for Global Growth

Building Secure Cross-Border Payments: A Verification Strategy for Global Growth

Automated KYC Verification Explained

Automated KYC Verification Explained

3 Key Insights: Fighting Fraud and Verifying Faster with Intelligent KYC and KYB Automation

3 Key Insights: Fighting Fraud and Verifying Faster with Intelligent KYC and KYB Automation

Building Trust Online® - Confidence for Online Consumers

Building Trust Online® - Confidence for Online Consumers

The Future of Agentic Commerce: Scaling Trust With Know Your Agent (KYA)

The Future of Agentic Commerce: Scaling Trust With Know Your Agent (KYA)