Identity has evolved fast in recent years.
We started with a fundamentally human IAM: deterministic, based on authentication, approvals, sessions and reasonably stable role models. Then we added non-human identities (service accounts, keys, certificates, API keys, tokens), already without direct human supervision, which brought their own credential lifecycle problems.
With agentic AI we take another step: potentially ephemeral identities, delegation chains between agents, probabilistic decisions, dynamic use of tools and contexts that change within a single execution. In other words, we move from controlling the login to controlling the action.
AI agents cannot be governed in the same way as a human user, a service account or an application based on static permissions. Identity starts to become something broader: a real-time control system over who is acting, on whose behalf, with what privileges, on what data and under what conditions.
An example: an agent onboarding a customer
Consider a common process in banking, insurance, telecommunications or utilities: the digital onboarding of a new customer.
An agent can gather the necessary information, guide the user through the process, query systems and prepare the request. The problem appears when someone tries to manipulate that process with forged documents, deepfakes or information stolen from a legitimate identity. The impact does not end with document fraud: it can lead to opening an account, taking out a product or granting a service to a non-existent or impersonated identity.
The answer is not to remove the agent from the process. The agent must have its own auditable identity and act as a requester, never as an issuer of trust. A critical action such as definitively creating a new customer’s identity should require independent verification, ephemeral credentials, adaptive risk policies and, when the risk justifies it, human approval.
The principle is simple: an agent can propose and execute, but its autonomy must be conditioned by the identity, the context, the risk and the impact of the action.