Field notes on fraud patterns, KYC, and what happens to identity verification once the party on the other end might be an AI agent, not a person.
Filed by Karan Gandhi, Senior Director of Credit Strategy at Best Egg. Full profile →
Agentic AI isn't just filling out applications anymore — it's starting to show up at underwriting, servicing, and payments too. Traditional KYC has no idea what to do with any of it.
Read the fileMost synthetic identity fraud doesn't get caught at the document. It gets caught — or missed — several steps later, in the patterns nobody's watching.
Read the file Draft — coming soonCompliance teams keep hearing that KYC is being automated away. What's actually happening is stranger, and more interesting, than that.
Read the file Draft — coming soonHow fraud actually moves through a lending pipeline — and the signals that get missed until it's too late.
Identity, income, and employment verification, and what's actually changing under the hood right now.
What it means to verify an AI agent, not just the human behind it — from loan applications to agentic commerce at checkout. The question this whole site started with.