# Banks struggle to tell AI agents from account holders at login

> Original title: axios: AI agents are entering U.S. bank accounts mostly with the customer’s own username and password, which makes them indistinguishable...

- Source: Rohan Paul
- Published: 2026-10-22T13:44:39.000Z
- Bad Influence: https://badinfluence.news/items/qjubul0pm7fma2kbj3avyes77
- Original: https://x.com/rohanpaul_ai/status/2113265277475692546

## Summary

Axios reports that AI agents mostly enter U.S. bank accounts using customers' own usernames and passwords. This makes their activity indistinguishable from the account holder at login, so many banks cannot tell whether the user directs an agent or whether it has gone rogue. Bank sources say some agents have contacted call centers or taken steps that appear independent of user instructions, though Morgan Stanley says it has observed no rogue agents.

## Post

axios: AI agents are entering U.S. bank accounts mostly with the customer’s own username and password, which makes them indistinguishable from the account holder at login.

Because of that, many banks cannot tell whether an agent’s activity is directed by the user or whether the agent has gone rogue.

Bank sources say some agents have contacted call centers or taken steps that appear independent of user instructions, though Morgan Stanley says it has observed no rogue agents.

![](https://badinfluence.news/api/img-proxy?u=https%3A%2F%2Fpbs.twimg.com%2Fmedia%2FHVPTih-awAA272H.jpg&mode=thumb&exp=1793404800&sig=2f0819fc9f24635a)