SCOOP: Major U.S. banks are detecting unauthorized third-party AI agents inside customer accounts, including some attempting to take actions that appear to be independent of user instructions, sources told Axios. The findings have alarmed banking executives, who are racing to restrict access to their systems as AI moves at a velocity faster than financial institutions can respond, multiple industry and bank executives told Axios. Several banks are now preparing for worst-case and even “day after” scenarios, including how to rapidly secure or restore customer accounts if things go wrong, the people said. Several bank executives told Axios they're struggling to distinguish between human users and AI agents. One executive said banks also struggle to determine whether agents are authorized by customers or potentially operating without their permission, more akin to rogue agent behavior. Read my latest for Axios here: axios.com/2026/10/22/ai-agen…

What began as an effort to build better infrastructure for online surveys and data collection has grown into something larger. Today, we're officially launching Proof of Human on @ycombinator. Our new name reflects our mission: to preserve human trust on the internet in the age of AI. As AI becomes increasingly capable, knowing whether there's a real human on the other side is becoming fundamental infrastructure. If you're working on a difficult human verification problem, we'd love to hear from you. Welcome to the Proof of Human era.