Why it matters

Regulatory compliance is not optional. Understanding KYC in AP2 shapes what's legally deployable.

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The architecture

User KYC: performed by wallet at onboarding. Standard financial-services process.

Agent binding: agent cryptographically bound to KYC-verified user.

KYC in AP2User KYCwallet verifiesAgent binds to usercryptographicPayment attributedto KYC'd userRegulator wants to see human accountable for every transaction
KYC linkage.
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How it works end to end

Attribution: every payment attributable to a KYC'd human. Agent is intermediary; not liable itself.

Enhanced due diligence: high-value or high-risk payments trigger extra checks.

Sanctions screening: sanctioned entities cannot receive payments.