the imf says agent payments break kyc. they're right.

april 22 - the imf published a note titled 'how agentic ai will reshape payments'. the core claim - ai agents executing payments expose gaps in kyc and mfa, both of which rely on explicit human action. when a central bank publication says it, that's the thesis going mainstream. why the existing rails break kyc verifies a human at onboarding. mfa verifies a human at transaction. an agent is neither - it's a process running under credentials a human delegated to it. the human isn't there to push t