Proof at Money20/20 2025
Proof is launching a portable digital identity solution for banks showcased at Money20/20 2025, addressing the challenges of AI agents acting on behalf of users by emphasizing the need for trusted identity, verifiable intent, and shared rules to securely authorize transactions and close gaps between access, recognition, and approval in agentic commerce.
New
Proof launches portable digital identity for banks
Introducing portable identity
A Proof series for Money20/20
When AI acts in your name
AI agents are booking trips, applying for coverage, and paying bills for the people they serve. Before your business accepts an agent's request, you need to know who approved it, what they approved, and how you'd defend the decision later.
Start the series ↓ Meet Proof at Money20/20
Agentic Commerce is Bigger than the Buy Button -VID 1
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0:40
The question that changes
The question is no longer “How do we let agents transact?”
It's “What would let us accept an agent's request and defend that decision later?” Access, recognition, and a clean checkout flow don't answer it. Trusted identity, verifiable intent, and shared rules do.
Three gaps agents open up
01
Access isn't permission
An agent can have access to your account without permission to make a particular commitment.
02
Recognition isn't authorization
A business can recognize the agent without knowing who authorized its request.
03
Approval isn't safety
A person can authorize a transaction without realizing the business on the other end is an impostor.
Closing these gaps takes more than a credential. It takes a network that tells everyone what to check, what evidence to keep, and what happens when something goes wrong.
Eight short reads. One case for trust.
Each article answers a question the one before it leaves open. Read them in order to follow the full argument, or jump to the problem in front of you today.
01\ \ Agentic commerce is bigger than the buy button\ \ ↓\ \ Jump to article 02\ \ You know the agent. Did its owner approve this?\ \ ↓\ \ Jump to article 03\ \ Which digital identities should your business accept?\ \ ↓\ \ Jump to article 04\ \ The authorization gap: your agent, whose permission?\ \ ↓\ \ Jump to article 05\ \ Your agent paid. Now you say, "It wasn't me."\ \ ↓\ \ Jump to article 06\ \ Card not present. Person not present.\ \ ↓\ \ Jump to article 07\ \ Your agent can get scammed, too.\ \ ↓\ \ Jump to article 08\ \ Your AI has agency. Your identity needs a rail.\ \ ↓\ \ Jump to article
01/ 08
Agentic commerce is bigger than the buy button
Agents aren't just checking out. They're filing applications, booking travel, and managing bills. Here's what that means for how customers reach you.
Agentic Commerce is Bigger than the Buy Button -VID 1
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0:40
“When an agent submits a request, your business is accepting instructions from software on behalf of someone who isn't there.”
Why the stakes go past checkout
Next: You know the agent. Did its owner approve this?
02/ 08
You know the agent. Did its owner approve this?
Recognizing a trusted agent tells you what made the request. It doesn't tell you whether the person behind it said yes.
You know the agent. Did it_s owner approve this_ VID 2
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“Confidence in the agent is not the same as evidence of the owner's approval.”
Separate the agent from the approval
Next: Which digital identities should your business accept?
03/ 08
Which digital identities should your business accept?
Not every credential deserves your reliance. Three questions help you decide which ones map to your obligations.
Which digital identities should your business accept_ VID 3
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0:40
“When a decision is challenged, you need to show your reasoning, not just your confidence.”
Ask the three acceptance questions
Next: The authorization gap: your agent, whose permission?
04/ 08
The authorization gap: your agent, whose permission?
Paper signatures once proved an agreement. Agentic workflows need a signed record that travels with the request.
The Authorization Gap, Your Agent Whose Permission - VID 4
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0:42
“Permission has to travel with the request, in a record the business can verify and keep.”
Next: Your agent paid. Now you say, "It wasn't me."
05/ 08
Your agent paid. Now you say, "It wasn't me."
Evidence only helps if everyone knows who checks it, who handles the dispute, and who is responsible.
Your agent paid. Now you say it wasn_t me - VID 5
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“In agentic commerce, liability starts the moment an agent acts on someone's behalf.”
Next: Card not present. Person not present.
06/ 08
Card not present. Person not present.
Online payments solved for a missing card. Agentic payments also have to solve for a missing person.
Card not present. Person not present - VID 6
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“A token answers 'is this credential valid for this agent?' It doesn't answer 'did this person authorize this purchase?'”
What payments infrastructure needs to carry
Next: Your agent can get scammed, too.
07/ 08
Your agent can get scammed, too.
A fake invoice can fool an agent that follows instructions perfectly. Trust has to run in both directions.
Your agent can get scammed, too - VID 7
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0:40
“Consumer identity alone protects the business but leaves the owner exposed, and an exposed owner won't delegate much.”
Next: Your AI has agency. Your identity needs a rail.
08/ 08
Your AI has agency. Your identity needs a rail.
Verified people, verified businesses, signed approvals, and shared rules, working as one network.
Your AI has your agency. Your identity needs a rail - VID 8
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“Agents can already act. What they lack is a rail that carries who approved the action and who is responsible for checking it.”
Next: Meet us at Money20/20
“Can you prove the owner wanted this, and explain why you accepted it?”
Every article in this series comes back to that one question.
Meet us at Money20/20
Bring us a workflow. Leave with a map.
Meet Proof at Money20/20. Bring one agentic workflow from your business, like a payment, an application, or an account change. Together we'll map the parties, the approval record, what you need to accept the request, and who is responsible when something goes wrong.
Authorization Spine
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0:15
01The parties
02The approval record
03Your acceptance requirements
04Responsibilities
Tell us about one agentic workflow and a Proof representative will follow up to set a time.
Booth #5069 · October 18–21, 2026 · Las Vegas
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