Fime has introduced FACT, a trust framework for agentic commerce as AI agents begin taking on a bigger role in payments.
FACT, short for Framework for Agentic Commerce Trust, is aimed at helping financial institutions, merchants and other payment players manage transactions initiated by artificial intelligence agents.
As AI systems move beyond assisting users and start acting on their behalf, they are beginning to search, negotiate and complete transactions independently.
Existing payment and trust infrastructure was not built to govern those decisions, creating new risks around compliance, fraud and accountability.
Fime described FACT as a neutral trust layer between AI systems and payment rails.
It is designed to provide real-time verification, certification and oversight for agent-driven transactions, rather than being built into a payment network or technology platform.
The framework includes intent validation, policy and compliance monitoring, independent trust verification, and transaction-level trust attestation.
These functions can help merchants assess AI-initiated transactions, while giving banks and payment networks additional inputs for authorisation, fraud prevention and risk management.
Lionel Grosclaude, CEO at Fime, said,
“Agentic commerce is not a future concept. It is already emerging across payment and digital ecosystems. But while we have built systems that allow AI to transact, we have not yet built systems that allow us to trust those transactions at scale.
FACT introduces the missing layer: a neutral, continuously verifiable trust infrastructure that enables autonomous commerce to grow safely, transparently and globally. This is critical to mass adoption of agentic commerce so we are actively engaging with the ecosystem already and will share updates on pilots soon.”
The framework could improve transparency for regulators and help consumers retain control when delegating decisions to AI.
It is also intended to support interoperability and reduce the risk of fragmented, platform-controlled models.
The launch builds on Fime’s work in payments and digital identity standards, certification and implementation, extending that experience into AI-driven commerce.
Fintech News Singapore interviewed Lionel Grosclaude at Money20/20 Asia in Bangkok. Watch out for the full interview coming soon on our YouTube channel here.
Featured image: Edited by Fintech News Singapore, based on image by alexgolovinphotography via Freepik