Agent Pass
Verify the agent. And everyone behind it.
AI agents shop, pay, borrow and sign up for people and businesses. Agent Pass checks the agent first, then the person or business it acts for, the transaction and its context, in one call, before it acts.
One live check. Customer, agent or bot: a clear decision on every action, with its reason.
Enter a valid work email.
Two levels, one call.
Not an add-on: Agent Pass checks the agent, then runs Monnai’s own KYC, KYB, fraud and credit risk checks on who it acts for.
1 · Agent Pass
Agent or not, good or bad, and the person or business it acts for
Know Your Agent, live on every action, in the same call as the identity checks.
2 · Identity and risk
Known or not, good or bad: KYC, KYB, fraud and credit risk
The checks banks, lenders and platforms already run on Monnai, for people and businesses.
Explore the use casesAI risk infrastructure
200+ sources, one API
Phone, email, IP, device and session behavior, digital footprint and business data, checked and refreshed by AI.
How Monnai works
First the agent. Then who it acts for.
Every AI agent acts for someone, buys something and comes from somewhere. Agent Pass checks the agent first, then all three, every time it acts.
Level 1 · Agent Pass
Is the agent real?
A “travel assistant” tries 60 different cards in a row to book the cheapest flight.
What our AI infers
- Risk: Automation posing as an assistant
- Risk: Running from a data-center network
Your decision
BlockBefore a single card is charged.
Level 2 · Identity and risk
Is the customer real?
A shopping assistant buys a 65-inch TV on pay-later for “J. Miller”.
What our AI infers
- Good sign: The assistant is genuine
- Risk: Phone is 3 days old, email is throwaway
Your decision
Decline pay-laterNot a real customer.
Level 2 · Identity and risk
Is the business real?
A buying agent orders 250 phones on credit for a new logistics company.
What our AI infers
- Good sign: A genuine procurement agent
- Risk: Company website went live 9 days ago
Your decision
HoldVerify the business before giving credit.
Level 2 · Identity and risk
Does the purchase make sense?
Emma’s assistant reorders running shoes: $140, the same brand as the last three times.
What our AI infers
- Good sign: Emma’s usual assistant
- Good sign: Same amount and brand as before
Your decision
ApproveInstantly, with no extra step.
Level 2 · Identity and risk
Where and how is it acting?
Claire’s banking assistant sends €4,800 to a new payee at 3 a.m.
What our AI infers
- Good sign: Claire and the assistant are genuine
- Risk: New device, in another country
Your decision
Step upAsk Claire to confirm first.
Checked every time
Claire’s assistant was trusted on Monday. On Tuesday at 3 a.m. it pays from another country, so Agent Pass checks again.
Nothing for customers to do
No ID to upload, no selfie to take. A good customer’s assistant just gets through.
Sees across companies
Tom’s details hit 12 lenders in ten minutes. No single lender can see that. Monnai can.
Works where your customers are
A shopper in Austin, a buyer in Hamburg, a borrower in Leeds. Phone and email checks in 200+ countries.
Every tool sees one slice. Agent Pass checks both levels.
| Level 1 · Agent Pass | Level 2 · Identity and risk | ||||
|---|---|---|---|---|---|
| Kind of tool | Agent | Person | Business | Transaction | Context |
| Bot management | Checks it | Doesn’t check it | Doesn’t check it | Doesn’t check it | Checks it |
| KYC and identity checks | Doesn’t check it | Checks it | Doesn’t check it | Doesn’t check it | Doesn’t check it |
| KYB | Doesn’t check it | Doesn’t check it | Checks it | Doesn’t check it | Doesn’t check it |
| Transaction fraud scoring | Doesn’t check it | Doesn’t check it | Doesn’t check it | Checks it | Checks it |
| Monnai Agent Pass | Checks it | Checks it | Checks it | Checks it | Checks it |
Agent Pass, explained.
What is Know Your Agent (KYA)?
Know Your Agent applies KYC thinking to the AI agents that shop, pay, borrow and sign up for people and businesses. Agent Pass is Monnai’s KYA check: a live pass for every agent that acts on your platform.
Why a live pass, not a one-time check?
A one-time check happens once, at set-up. Agent Pass checks again every time the agent acts, because an honest agent can still carry a stolen card, and an account can be taken over after set-up.
How is it different from bot detection?
Bot detection tells you automation is there. Agent Pass tells you whether it’s a trusted agent, who sent it, and whether the person or business it acts for is real.
How is it different from KYC?
KYC checks a person who signs up themselves. Agent Pass also checks the agent acting for them, so a stolen identity can’t hide behind a bot, and a good agent can’t carry a made-up customer.
Does my customer have to do anything?
No. No documents, no selfies. Agent Pass reads signals you already have, such as the phone, the email, the network and the request itself, so good agents get through with no extra step.