Agentic commerce introduces a structural shift in payments
Traditional infrastructure was built around a four-party risk model — consumer, merchant, issuing bank, and acquiring bank — where humans initiated transactions. As AI agents begin acting autonomously, that model no longer holds.
Payment systems were not designed to consistently preserve identity, intent, and context in a machine-verifiable way, leaving merchants to bear the burden of authentication without the benefit of fraud filters, security protocols, or shared liability with issuers.
Introducing the Unified Trust Layer
The Unified Trust Layer is an open industry framework developed by IXOPAY and Zip to make AI-initiated transactions verifiable, auditable, and interoperable across the payments ecosystem. Take a look at a prototype for the agentic trust layer. This illustrates the vision for this agentic trust framework.
Our Goal
Create a shared standard for evaluating agent trust, giving merchants and payment platforms not only a tool to analyze risk, but an opportunity to help shape the future of agentic commerce.
Join the Initiative
RSVP for the Unified Trust Layer webinar on
April 8th, 12:00 - 12:45 CT
Proposed Capabilities
Agent Identity Validation
Normalize identity verification and behavior patterns across fragmented agentic protocols.
Intent Capture and Preservation
Bind explicit human consent and transaction context into an immutable, replayable record.
Contextual Trust Signaling
Aggregate agent behavioral signals across providers, networks, and protocols to support informed authorization decisions and strengthen dispute defensibility.
IXOPAY and Zip are inviting merchants, payment providers, networks, platforms, and technology partners to help shape the future of trust in agentic commerce, by contributing to this framework. Learn more about the framework, and how to participate at our upcoming webinar.
RSVP for the Unified Trust Layer webinar on April 8th, 12:00 - 12:45 CT