# Agent Identity and Authorization

As consumer AI agents act inside accounts held at banks, merchants and platforms, institutions will repeatedly block credential-sharing agents and replace them with scoped, attested agent identities, making authorization infrastructure a gating layer for agent adoption.

- Conviction: 40 / 100 (forming)
- Horizon: Emerging (watchlist)
- Tracking since: 2026-10-23T00:00:00.000Z
- Last updated: 2026-10-23T06:38:20.385Z
- Canonical: https://polylog.news/ai/trends/agent-identity-authorization
- Publisher: Polylog

## Recent evidence

- [confirms] Major US Banks Block or Restrict Outside AI Agents That Log In With Customers' Credentials (2026-10-23): Morgan Stanley is blocking third-party AI agents that log in with customer credentials, and JPMorgan, Bank of America and Citi are restricting them, after banks saw agents act beyond what customers asked. When the largest US banks move together, credential-sharing agents lose access to the financial accounts that matter most, which pushes demand toward scoped, attested agent identities. The trend likely opened on this same story.