A program that spends your money but has no identity, no bounds, and no one to answer for it isn't an agent — it's a proxy wearing your skin. Three things change that. Here is one agent that has all three, and a credential you can check yourself.
It decides within delegated bounds — it doesn't just execute a click. This agent buys a market signal, applies a pinned rule, and acts on the result on its own.
Its actions are attributable to it: a key it controls signs the exact request, and its identity is registered where anyone can look it up.
Attribution has to route consequences somewhere. Every action lands as a permanent record in a public log, so a dispute has evidence no party can quietly rewrite.
When this agent makes a purchase, it signs the request with RFC 9421 exactly as the IETF Web Bot Auth draft requires — the same standard Visa and Cloudflare's Trusted Agent Protocol build on. The keyid is the key's own RFC 7638 thumbprint and the tag is web-bot-auth. Below is a real signature from agent 59895. Your browser fetches the key the agent publishes and checks it — no server of ours involved.
The request it signed
GET https://markovianprotocol.com/signal/latest
The signature it presented
Signature-Input: ("@authority" "@path");created=1785088000;expires=1785088480;keyid="fi-U9L_IgHN-6btaNB9p3x_UV0wzbcKVhV5Z9GpPzEQ";alg="ed25519";nonce="showcase-2026-07-26";tag="web-bot-auth" Signature: :h6AGl4WYzk9/+66ILE/CR2LbvGcIjyjZfM6oQM+cSYYefUVKYWasUACKfSBtH9TpSa5C/x7GFzHLbmBBijQdBQ==: Signature-Agent: https://markovianprotocol.com/.well-known/agent2-registration.json
The payment world is building agent commerce on this exact signature format. An agent that presents one is legible to any verifier that already speaks the standard — a Cloudflare-class edge, a Trusted-Agent-Protocol merchant — with zero custom code. This agent presents one, and also writes every settlement into a public witnessed log. So it is checkable two ways at once: who acted, in the dialect the card rails already read, and what happened, in a record they have no equivalent for.