According to reports, American Express has launched the "Intent Intelligence Framework," which reduces risks of AI agent mispurchases and subsequent disputes by capturing, verifying, and continuously transmitting user purchase intent prior to transaction completion. The framework first records user instructions and constraints—such as merchant, maximum budget, brand, and product preferences—via the Create Intent API; upon user identity confirmation and intent signing, the system generates a unique Intent ID and a Proof of Intent Token containing key restrictions, enabling secure payment credentials for AI agents to complete checkout without exposing credit card numbers directly.

If a user requests a size-9 white Nike sneaker but the agent submits an Adidas item, the system can block the transaction. American Express notes that it has not yet observed an increase in disputes due to agent-driven shopping, but aims to proactively establish protective mechanisms. The framework is already integrated into the April-released ACE Developer Toolkit, with American Express advancing implementation in collaboration with payment ecosystem partners. Citing survey data, American Express highlights that 66% of surveyed U.S. consumers may use AI agents for price comparisons within the next 12 months, and 61% may leverage them for product or service recommendations.