rewrite this title Trulioo Joins Google’s Agent Payments Protocol (AP2) to Secure Agent-Led Payments – Finovate

Trulioo has joined Google’s Agent Payments Protocol (AP2) to provide its Digital Agent Passport and Know Your Agent (KYA) framework, creating a trusted identity layer for AI-driven, agent-led payments.

AP2 establishes a common standard for how AI agents transact, and Trulioo ensures every agent interacting in the ecosystem is authenticated, authorized, and accountable before executing a payment.

Agentic payments remain early but are poised to scale quickly as identity layers like KYA mature and combine with programmable settlement rails such as stablecoins and tokenized deposits, enabling safe, real-time autonomous transactions.

Agentic payments are on the rise this season, and digital identity platform Trulioo is stepping up to help protect agent-led transactions. The Canada-based company has joined Google’s Agent Payments Protocol (AP2) initiative.

With the launch, Trulioo is deepening its long-standing ties with Google, which leverages Trulioo’s Global Identity Platform for Know Your Customer (KYC) verification.

Google launched AP2 in September 2025 to provide an open, standardized framework for digital payments. AP2 connects banks, fintechs, and merchants with its protocol that creates a common language for how AI agents can transact on behalf of users.

Trulioo will bring its Digital Agent Passport and KYA framework to AP2. Together with Trulioo’s KYA framework, the Digital Agent Passport creates a verifiable trust layer within AP2, ensuring every digital agent is authenticated, authorized, and accountable before transacting.

“The future of commerce belongs to agents that can think, act, and transact independently, but only if they can be trusted,” said Trulioo CEO Vicky Bindra. “By joining AP2, we’re helping define the identity backbone for autonomous payments, where verified agents transact transparently, responsibly, and at machine speed. This is the architecture, and the future, of trusted agentic commerce. We’re proud to be working with Google to bring verified identity to agentic payments.”

Headquartered in Canada and founded in 2011, Trulioo has raised $475 million. The company offers global verification for both businesses and customers in 195 countries and with the ability to verify more than 14,000 ID documents and 700 million business entities while checking against more than 6,000 watchlists. Trulioo has demoed at 10 Finovate events, most recently showcasing its identity platform at FinovateEurope 2023.

Trulioo launched its Know Your Agent (KYA) solution in August 2025. “KYA is a new identity layer designed for agent-led digital interactions, bringing trust and compliance to agentic commerce without compromising speed or user experience,” the company said. “This isn’t just technical infrastructure—it’s a real-time trust layer that quietly safeguards the ecosystem while letting everything move at machine speed.”

Agentic payments are still in their early stages, largely because true autonomy requires more than intelligent agents. For the ecosystem to work, agentic payments require a secure, verifiable system for authorizing transactions without human intervention. As identity layers like KYA mature, consumers and businesses will become more comfortable allowing AI agents to initiate payments, execute purchases, manage subscriptions, or even negotiate transactions on their behalf.

The shift becomes even more notable as agentic payments intersect with programmable settlement rails such as stablecoins and tokenized deposits. These payment methods enable real-time, programmable, and low-cost transactions that will help autonomous agents operate safely at scale. When combined, trusted agent identity plus programmable money could bring agent-led commerce into mainstream markets rapidly, especially if security layers like Trulioo’s are already in place.

Photo by Czapp Árpád

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