Your customers send AI agents. So do fraudsters.
AI agents shop, pay, borrow and sign up for people and businesses. To your checks, a customer’s assistant and a fraudster’s bot look the same: valid details, and no one at the keyboard.
Monnai
A shopping agent orders a $1,200 laptop for a customer
What our AI infers
- Good sign: The customer’s own assistant
- Risk: Phone changed owner 2 days ago
- Caution: Delivery address never used before
Your decision
Step upConfirm with the customer first
Agentic commerce statistics: where it’s heading.
AI agents are set to shop for millions of people, and bots already outnumber people online.
Agentic commerce
Up to $1 trillion
in US retail revenue that AI agents could orchestrate by 2030
Worldwide, McKinsey projects $3 trillion to $5 trillion.
Source: McKinsey, October 2025
Bots
51%
of all web traffic came from bots in 2024
The first time in a decade that bots outnumbered people. Bad bots alone: 37%.
Source: Imperva, 2025 Bad Bot Report
How AI agents get past today’s checks, and how Monnai checks them.
A good agent and a bad bot look the same.
Credit applications at machine speed.
Monnai
Check the real borrower behind every agent, and score the risk with or without a credit file.
Consumer credit riskA real account, the wrong agent.
Monnai
Check that the agent is the customer’s own, from their usual context, before money moves.
Account takeover
Agentic fraud and credit by industry.
How the problem shows up in each industry.
Customer results in agentic fraud and credit, to come.
No customer story to publish yet for this use case. Here is what the first one should show.
Get answers about agentic fraud and credit
What is agentic fraud?
Fraud carried out through AI agents: software that signs up, shops, pays or applies for credit for someone. One person can run hundreds of agents, each with a made-up or stolen identity, and each looks like a good customer’s assistant.
What is agentic commerce?
Shopping, payments and credit where an AI agent acts for a person or a business: it compares offers, fills in the forms and checks out. The customer sets the goal, and the agent does the clicks.
Why can’t bot detection stop agentic fraud?
Bot detection tells you software is there. With agentic commerce, good customers send software too: blocking every agent turns them away, and letting agents through lets fraudsters in. You need to know which agent it is, and who it acts for.
What is Know Your Agent (KYA)?
KYA applies KYC thinking to AI agents: before an agent acts, check that it is a trusted agent and that a real person or business stands behind it. Agent Pass is Monnai’s KYA check.
How should lenders handle credit applications made by AI agents?
Like any application, with one more check. Agent Pass checks the agent that applied, and Monnai scores the real borrower, person or business, with or without a credit file, in the same call.
Do agent checks add friction for good customers?
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 and their customers get through with no extra step.
Be agent-ready. See what Agent Pass sees.
Tell us where AI agents reach you: sign-up, checkout, credit or payments. We’ll show you what Agent Pass sees on your own traffic.