# American Express introduces intent checks for AI-agent purchases

> AmEx proposes a system where AI agents make payments using pre-approved limits and tokens, without ever seeing your actual card details.

- Type: AI news
- Page: https://completeaitraining.com/news/american-express-introduces-intent-checks-for-ai-agent/
- Published: 2026-10-16
- Updated: 2026-10-15
- Author: Jeroen Erne
- Jobs: Finance, Hospitality and events, Insurance, Legal, Sales
- Reading time: 1 min

American Express has detailed a framework that records customer-defined constraints and generates proof-of-intent tokens before an AI agent executes a payment. The design establishes a control pattern for agentic commerce built on three elements: an explicit scope of authority, verified identity, and payment credentials that remain hidden from the agent itself.

The approach addresses a structural challenge in automated transactions by separating the instruction to pay from access to sensitive account details. The agent operates within pre-set boundaries, and the token serves as a verifiable record that the intended purchase aligns with the customer's stated parameters before funds move.

*Source: [https://dailyaibrief.com](https://dailyaibrief.com/news/american-express-intent-checks-ai-agent-purchases-3vi8EoFR?ref=completeaitraining.com)*

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