// GLOSSARY -- PAYMENTS & FINTECH
What is Trusted Agent Protocol?
Visa's open framework, co-developed with Cloudflare, that cryptographically verifies an AI agent is legitimate and acting on a user's behalf before authorising payment credentials.
WHY IT MATTERS
Before an agent can spend money, someone needs to verify it's who it claims to be and that a real user authorised it. Visa's Trusted Agent Protocol uses cryptographic verification to establish this trust chain.
Trust verification is a prerequisite to spending authority. An agent must prove its identity before it can be granted a budget, and the budget must be enforced at every transaction.
HOW POLICYLAYER USES THIS
PolicyLayer's enforcement layer sits downstream of identity verification — once an agent is trusted, PolicyLayer governs what it's allowed to do with that trust.