用区块链验证AI转账的真实身份和真实意图,防止被骗或乱动钱。
Secure Autonomous Agent Payments: Verifying Authenticity and Intent in a Trustless Environment
- 结合去中心化身份与零知识证明,认证AI身份并验证交易意图。
- 通过链上存证和可信执行环境,确保行为可审计且不被篡改。
- 适合构建可信的AI金融代理系统,保障自动化支付安全。
人工智能(AI)代理正越来越多地代表用户或其他代理发起金融交易。这一演变带来了根本性挑战:在去中心化、无信任环境中,如何验证自主代理的真实性及其交易的真实意图。传统支付系统依赖人工授权,而由代理主导的支付则移除了这一保障。本文提出一种基于区块链的框架,对每个由AI发起的交易进行密码学上的身份认证与意图验证。该系统利用去中心化身份(DID)标准与可验证凭证建立代理身份,通过链上意图证明记录用户授权,并运用零知识证明(ZKPs)在保障隐私的同时确保政策合规。此外,基于可信执行环境(TEE)的证明机制保证了代理推理与执行的完整性。混合式链上/链下架构提供不可篡改的审计追踪,将用户意图与支付结果关联起来。定性分析表明,该框架对冒名顶替、未经授权交易及意图偏差具有强抵抗能力。本研究为安全、可审计、意图感知的自主经济代理奠定了基础,推动了可验证信任与问责制在AI驱动金融生态中的实现。
原文摘要 · Abstract (English)
Artificial intelligence (AI) agents are increasingly capable of initiating financial transactions on behalf of users or other agents. This evolution introduces a fundamental challenge: verifying both the authenticity of an autonomous agent and the true intent behind its transactions in a decentralized, trustless environment. Traditional payment systems assume human authorization, but autonomous, agent-led payments remove that safeguard. This paper presents a blockchain-based framework that cryptographically authenticates and verifies the intent of every AI-initiated transaction. The proposed system leverages decentralized identity (DID) standards and verifiable credentials to establish agent identities, on-chain intent proofs to record user authorization, and zero-knowledge proofs (ZKPs) to preserve privacy while ensuring policy compliance. Additionally, secure execution environments (TEE-based attestations) guarantee the integrity of agent reasoning and execution. The hybrid on-chain/off-chain architecture provides an immutable audit trail linking user intent to payment outcome. Through qualitative analysis, the framework demonstrates strong resistance to impersonation, unauthorized transactions, and misalignment of intent. This work lays the foundation for secure, auditable, and intent-aware autonomous economic agents, enabling a future of verifiable trust and accountability in AI-driven financial ecosystems.
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