Sooner or later, it’s going to happen. AI systems will start acting as agents, doing things on our behalf with some degree of autonomy. I think it’s worth thinking about the security of that now, while its still a nascent idea.
In 2019, I joined Inrupt, a company that is commercializing Tim Berners-Lee’s open protocol for distributed data ownership. We are working on a digital wallet that can make use of AI in this way. (We used to call it an “active wallet.” Now we’re calling it an “agentic wallet.”)
I talked about this a bit at the RSA Conference earlier this week, in my keynote talk about AI and trust. Any useful AI assistant is going to require a level of access—and therefore trust—that rivals what we currently our email provider, social network, or smartphone.
This Active Wallet is an example of an AI assistant. It’ll combine personal information about you, transactional data that you are a party to, and general information about the world. And use that to answer questions, make predictions, and ultimately act on your behalf. We have demos of this running right now. At least in its early stages. Making it work is going require an extraordinary amount of trust in the system. This requires integrity. Which is why we’re building protections in from the beginning.
Visa is also thinking about this. It just announced a protocol that uses AI to help people make purchasing decisions.
I like Visa’s approach because it’s an AI-agnostic standard. I worry a lot about lock-in and monopolization of this space, so anything that lets people easily switch between AI models is good. And I like that Visa is working with Inrupt so that the data is decentralized as well. Here’s our announcement about its announcement:
This isn’t a new relationship—we’ve been working together for over two years. We’ve conducted a successful POC and now we’re standing up a sandbox inside Visa so merchants, financial institutions and LLM providers can test our Agentic Wallets alongside the rest of Visa’s suite of Intelligent Commerce APIs.
For that matter, we welcome any other company that wants to engage in the world of personal, consented Agentic Commerce to come work with us as well.
I joined Inrupt years ago because I thought that Solid could do for personal data what HTML did for published information. I liked that the protocol was an open standard, and that it distributed data instead of centralizing it. AI agents need decentralized data. “Wallet” is a good metaphor for personal data stores. I’m hoping this is another step towards adoption.
By Bruce Schneier (Cyptographer, Author & Security Guru)
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