INDUSTRY
Personal AI agents now log in, open accounts 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 act for your customers on login, account opening and money movement. Block them all and you turn away customers; allow them all and you open the door to abuse. 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. A regional bank can see hundreds of these logins a week. 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 and dispute and credit 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 adding a payee, moving money 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 are here now. They log in, read one-time codes from inboxes, rate-shop deposits and move money, 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?
Banks are already among the most heavily targeted institutions in the fraud ecosystem, and the regulatory consequences compound the financial ones. When a third-party agent moves a customer's money, you need to be able to show an examiner 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 and authentication, password reset, MFA workflows and money movement.
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 account opening, login, password reset, new payees, transfers) 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. Credential stuffing, reverse proxy phishing, fake accounts and SMS toll fraud stop at the point of entry, and proof-of-work makes attacks too expensive to continue. Customers and their agents pass without friction.
Phishing domains disrupted in four days — 70M+ customers protected across 30+ countries
Read more →Of malicious bot traffic blocked — $1T+ in assets, full ISO 27001/27701 + SOC 1 & 2 compliance met
Read more →It's the first time technology has outpaced our controls.
CISO, top-five U.S. bank, on agentic AI
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, not on what it says. Arkose Titan sorts agents into these groups and applies the policy the bank sets for each flow.
Blocking every agent turns away customers, and allowing every agent lets malicious ones through. Banks can set the policy by action instead: allow balance checks and saved payments, and block agents from adding new payees, moving money 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 bank's terms of service. Banks can record which agents were on their platform and what each was allowed to do, so they can answer an examiner. Arkose Titan identifies each agent and applies your policy.
Banks prevent account takeover by combining authentication controls such as MFA with behavioral analysis, device intelligence and automated attack detection. Arkose Titan adds real-time bot detection and adversarial friction to stop automated login abuse before credentials are successfully used. Stopping fake accounts at onboarding also lowers AML and KYC exposure, because synthetic identities trigger compliance failures, not just fraud losses.
Reverse proxy phishing puts an attacker's proxy between the consumer and the bank. It captures the credentials and MFA token as the consumer enters them and replays them at once, so the attacker authenticates as the real customer before anyone notices.
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.
SMS toll fraud, also called international revenue share fraud (IRSF), is when attackers use bots to trigger high volumes of SMS verification messages to premium-rate numbers they control. The carrier bills the institution at premium rates for every message. Attackers don't need a successful registration to profit, because the charge is incurred once the SMS is sent.
Let your customers' agents check balances and pay bills. Decide what happens before money moves. The fraud that costs you money, including credential stuffing, reverse proxy phishing, fake account creation and SMS toll fraud, stops at the same point of entry.
Decide which AI agents to trust. Stop the fraud that costs you money.
