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What is Know Your Agent (KYA)?

What Know Your Agent (KYA) means, why AI agents need verified human backing, how KYA differs from KYC, and how zero-knowledge agent credentials work.

Updated 2026-10-04: naming, grades and status.

Know Your Agent (KYA) is the practice of verifying that an autonomous AI agent is operated by a known, accountable party — the agent-era counterpart to Know Your Customer (KYC). It answers the two questions counterparties can no longer skip when software shows up instead of a person: who is behind this AI agent, and who is liable if it acts in bad faith?

KYA asks who stands behind an agent and who is liable

Internet identity has been built for two decades around a person at the keyboard. Log-ins, KYC checks, fraud scores, CAPTCHAs — all of them ultimately identify a person who is present. Agentic AI breaks that assumption: agents now book travel, purchase goods, negotiate terms and sign requests on people’s behalf, with no human in the loop at the moment of the transaction.

KYA is the discipline that restores the missing link. An agent that passes a KYA check can demonstrate, on demand, that a real and accountable party stands behind it — a party who was verified once, who remains liable, and who can be reached through a defined process if something goes wrong. KYA is not “KYC for bots”: the subject of verification is the human (or organisation) behind the agent, and the direction of proof inverts — it is the agent that proves its backing, not the human who identifies themselves.

MintID runs on the single-node production chain, in production since 20 September 2026 and operated by the CONECTIA group; a public mainnet is a target. The application, cryptography, infrastructure and economic audits are scheduled milestones whose findings are published; the mechanism is committed, the distributed deployment is not.

Why agents force the question now

Machine identities already outnumber human ones by roughly 50 to 1 in enterprise environments (Omdia, 2024), and IDC projects more than a billion deployed agents by 2029 (sources: where the numbers come from). The OpenID Foundation’s 2025 whitepaper on identity for agentic AI put the principle plainly: with autonomy comes accountability.

Today’s identity stack fails agents on four fronts at once:

  • Accountability. There is no verifiable link between an agent and a liable party. An API key says nothing about who answers for the traffic behind it.
  • Blast radius. When agents borrow their operator’s credentials, a stolen agent credential is a stolen human credential.
  • Sybil resistance. Anonymous client registration lets one operator spin up unlimited agents with no paper trail at all.
  • Privacy. The only way to make an agent accountable today is to attach its operator’s real identity to everything it does — turning accountability into surveillance.

The fourth failure is the one that locks in the other three. As long as accountability and privacy are treated as a binary trade-off, operators will choose anonymity, and counterparties will be left guessing. KYA done properly dissolves the trade-off: accountability becomes provable while identity stays private.

How KYA works

verify once · mint per agent · prove per session

Three steps, each at its own layer:

1. Verify once

A human (or organisation) completes KYC with an approved issuer and receives a principal credential — an anonymous credential carrying a private assurance grade from A1 to A4. This is ordinary reusable KYC: the verification happens once, and the evidence stays with the issuer, off-chain.

2. Mint per agent

For every agent they deploy, the principal has the issuer mint a fresh agent credential: the principal proves in zero knowledge that it holds an unrevoked credential at a sufficient grade, and the issuer derives a new, unlinkable credential from it. Each one attests three things: the agent is backed by a valid principal credential at or above a stated grade from an accepted issuer; it operates within a bounded, delegated scope S fixed at mint time (purpose, transaction limits, permissions); and it can be revoked. The scope axes are specified; enforcement arrives with the agent products. Scope cannot be self-elevated — you cannot delegate authority you cannot prove.

3. Prove per session

When a counterparty asks, the agent answers with a short-lived zero-knowledge presentation — in MintID’s design, valid for ten seconds and bound to a unique challenge, the exact audience and the current revocation state. The verifier learns “human-backed, at a stated assurance grade (A1–A4) or higher, within scope, active” — and nothing else. Not the human’s name, not the principal credential, not which sibling agents exist.

KYA vs KYC

dimensionknow your customerknow your agent
subjectthe customer, present at the transactionthe human principal behind an autonomous agent
who provesthe person identifies themselvesthe agent proves its backing
frequencyrepeated per relying partyverified once; reused across every agent
verifier learnsfull identity, documents, attributesa claim: human-backed at a stated grade, within scope S
linkabilityone identity, correlated everywherepresentations and sibling agents unlinkable
revocationaccount closure, provider by providerper-agent kill switch, issuer root, principal-wide

KYA confers no tracking right and guarantees no behaviour

It is not surveillance. A KYA check confers no tracking right. In MintID’s formulation — identification, not surveillance — a verifier gets a yes/no answer to a policy question, not a dossier. There is no public, on-chain registry of agents to crawl: to the chain, an agent is indistinguishable from any other credential holder.

It is not a guarantee of behaviour. KYA attests calibrated assurance about the source of an agent — never the soundness of the agent’s outputs. An agent backed by a verified human can still be wrong, and presenting assurance as a binary stamp of trust would be its own failure mode.

It is not identity disclosure by default. The proof is the product. Identification of the principal is the exception — priced and consented on the consented commercial disclosure rail, or ordered under due process in a dispute, both specified for a later stage — never the routine cost of doing business.

MintID’s answer: verifiable human-backed agent identity

MintID’s agent KYC layer turns the pattern above into protocol invariants, three of which carry the whole design:

  1. Backing is provable, identity is not. Every presentation proves a KYC-verified, liable human principal — and structurally cannot reveal which one.
  2. Siblings are unlinkable. No two agents of the same principal are publicly linkable, on-chain or across verifiers.
  3. The only link stays with the issuer. The agent-to-human mapping exists exactly once, in the issuer’s private records, released only under a certified due-process finding — never bought with a payment.

Around those invariants sit the mechanics: revocation as three independent levers (per-agent self-revoke, issuer status roots republished every 30 seconds, and principal-wide revocation that can cascade to every derived agent); sybil resistance through per-principal agent caps and economic mint fees, enforced privately by issuers; and a money-before-identity cascade for disputes, so that, in the funded-recourse stage, pre-funded recourse can settle incidents without anyone being unmasked. None of it adds per-agent state to the chain — live state scales with issuers and validators, not with the number of agents.

MintID’s agent credentials ride the existing agent stack: the posture is bridge, don’t fight: proofs travel over A2A and MCP transports, issuance and presentation use OpenID4VCI and OpenID4VP, and a valid presentation can mint a scoped, short-lived OAuth token where that is what the relying system expects. The full requirement set lives in the protocol specification.

Know Your Agent — quick answers

Is KYA just KYC for bots?
No. KYC identifies the customer to the business. KYA inverts both the subject and the direction: the credential describes the human behind the agent, and it is the agent — not the human — that presents the proof. The verifier learns that an accountable, KYC-verified person stands behind the agent, not who that person is.
Does a Know Your Agent check reveal who operates the agent?
Not in MintID’s model. A presentation proves “operated by a KYC-verified, liable human principal at a stated assurance grade (A1–A4), within delegated scope S, active and unrevoked” — and nothing else. The only party able to connect an agent back to its human is the issuer, in its private records, and that link is released only under due process.
Can two agents from the same person be linked?
No. Sibling unlinkability is a protocol invariant: two agent credentials minted by the same principal must not be publicly linkable to each other or to the principal — at the chain layer, the presentation layer, or across verifiers.
What happens when an agent misbehaves?
Money moves before identity. In MintID’s funded-recourse stage, which follows the identity rail, disputes are designed to settle from the agent’s pre-funded escrow without anyone being unmasked (L0); a minimal verified fraud signal — not PII — can follow (L1); full identification happens only under due process, as a last resort (L2). That rail is specified and scheduled; its audits have not started, and no funds are locked today. Independently, the agent credential can be killed: by the principal, by the issuer’s status root, or by revoking the principal credential itself.

Keep reading: Reusable KYC explained — the verify-once layer KYA is built on — or MintID vs Concordium for how this differs from chain-level identity.

See human-backed agent identity in the protocol

The agent KYC page walks through the credential model, the accountability cascade and the standards bridge — and the protocol page holds the requirements behind them.