INDUSTRY
Personal AI agents now sign up, log in and move money for your customers, and most don't announce themselves. Arkose Titan identifies each one, classifies it and applies the policy you set at every step: allow, monitor or block. The same policy stops account takeover, fake accounts and SMS toll fraud at the point of entry, whoever is behind them.
Book a DemoAgents already open accounts, link cards and send payments for your customers. Block them all and you turn away customers; allow them all and you open the door to account takeover, fake accounts and payment fraud. Arkose Titan identifies and sorts each agent into 1 of 3 groups:
Agents that sign their requests with Web Bot Auth and whose signature is attested. You decide where to let them in.
Agents that act for real customers but stay quiet so they aren't blocked. Arkose Titan detects them by the device, compute and network behind the session, so you don't turn away customers.
Agents used for credential stuffing, synthetic account opening, card testing and bonus abuse. They arrive from the same residential IPs as your customers' own agents. Block them or hold them to a stricter policy.
With Arkose Titan, you set the policy for each flow, and you can start in "monitor" mode to see the traffic before you enforce anything. Let agents browse, check balances and pay saved bills. Block agents from linking a new account, sending money to a new recipient or changing credentials. For actions like these, Arkose Labs is working on proof of human, where the person behind the agent confirms they're there before the action completes. We'll announce availability when it's ready.
Your customers' agents open accounts, link cards and send payments with the customer's own login and from the customer's own home connection. The old question, human or bot, doesn't answer the new one: whose agent is this and what should it be allowed to do?
Instant onboarding, wallets, buy now, pay later and embedded finance give agents many places to act. Your banking and payment partners will ask which agents were on your platform and what they were allowed to do.
Arkose Titan sees every session, applies your policy and stops fraud across account opening, login, payments, SMS verification and APIs.
Device, compute, network, behavior and identity signals identify every visitor as a customer, an AI agent or an adversary, even when the agent doesn't announce itself. Every agent session is classified as self-disclosing good, non-disclosing good or malicious.
Lay out your customer journey (such as sign-up, login, adding a card, sending money, changing credentials) and set allow, monitor or block for each step, by agent and by population. Start in monitor to see what a policy would stop.
Arkose Titan applies the policy while the interaction happens. SMS toll fraud, account takeover, fake accounts, card testing and bonus abuse stop at the point of entry, and proof-of-work makes attacks too expensive to continue. Customers and their agents pass without friction.
Bot attacks across ATO, card testing and credential stuffing, protecting millions of consumer accounts
Read more →Arkose has a fantastic solution that ends all bulk attacks against your system, manual or automated. Their managed service provides peace of mind and effective management on top of their incredible technology.
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AI agents fall into 3 groups: self-disclosing good agents, non-disclosing good agents (personal agents such as Muse are an example) and malicious agents. Most don't identify themselves, so detection has to rely on what an agent does and the environment it runs in. Arkose Titan sorts agents into these groups and applies the policy the platform sets for each flow: allow, monitor or block.
Blocking every agent turns away customers, and allowing every agent lets malicious ones through. Platforms can set the policy by action instead: allow balance checks and saved payments, and block agents from linking a new card or bank account, adding a recipient or changing credentials on their own. Arkose Titan identifies each agent and applies that policy.
The question is unresolved, and this isn't legal advice. Agents are generally treated as tools of the customer, so liability tends to sit with the customer and the platform's terms of service. Fintechs can record which agents were on their platform and what each was allowed to do, so they can answer a banking partner, payment processor or examiner. Arkose Titan identifies each agent and applies your policy.
Reverse proxy phishing places a proxy between the consumer and the platform. It captures the credentials and MFA token in real time and replays them in the same session, so standard MFA can't stop it.
A customer's own agent looks different: it reads the one-time code from the customer's inbox and enters it itself, so the session is real but no human is present at that step. In both cases MFA only proves someone had the factors, so detection has to look at the session itself.
Payment processors and banking partners set fraud rate thresholds that fintech platforms must stay within to keep access. Elevated chargeback ratios or patterns consistent with money laundering can trigger fee increases or termination. Stopping fraud at the point of entry keeps rates below those thresholds. Fraud that arrives through a customer's agent counts toward the same thresholds, so platforms need to know which agents are on their service.
SMS toll fraud, also called international revenue share fraud (IRSF), uses bots to trigger high volumes of SMS verification messages to premium-rate numbers the attackers control. The carrier bills the platform at premium rates once a message is sent. The attackers abandon the signup, so no real customer registers.
Let your customers' agents check balances and pay bills. Decide what happens before money moves. The fraud that costs you money, including account takeover, SMS toll fraud, fake accounts and card testing, stops at the same point of entry.
Decide which AI agents to trust. Stop the fraud that costs you money.
