According to American Express, the company launched its Intent Intelligence framework on October 19, introducing a method for AI agents to capture and authenticate customer purchase intent before transaction completion. The framework is provided through the Amex Agentic Commerce Experiences (ACE) developer toolkit.

The Create Intent API captures customer purchase instructions and constraints such as merchant and budget limits, followed by identity authentication and authorization. The system generates a unique Intent ID and Proof of Intent Token, which enables limited-use digital payment credentials and serves as a control point across authorization, fraud prevention, and dispute resolution. American Express is collaborating with EMVCo and x402 Foundation to advance universal standards for agentic commerce.

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