American Express Introduces Intent Intelligence Framework to Secure AI Agent Purchases

American Express introduced an Intent Intelligence Framework to capture and authenticate customer purchase intent before an AI agent completes a transaction, aiming to prevent unauthorized purchases from misfiring agents. Part of its Agentic Commerce Experiences (ACE) Developer Toolkit that debuted in April, the framework uses a Create Intent API, Intent ID, and Proof of Intent Token to issue secure payment credentials instead of actual card numbers. Amex hopes it becomes an industry standard and is in talks with payments partners to implement ACE.