Fraud Detection Was Built to Catch Humans. AI Agents Just Broke Every Rule It Relies On. (opens in new tab)

Mastercard published it plainly: "As AI agents shop and pay on behalf of consumers, the payments ecosystem is tackling challenges around intent, fraud prevention and accountability." The Merchant Risk Council went further: legitimate AI agents and fraudulent AI agents produce identical behavioral signals. The tools built to distinguish honest humans from dishonest humans cannot distinguish honest agents from dishonest agents. RisingWave documented seven fraud patterns that human-written rules...