Ken Moore, Mastercard Chief Innovation Officer, on the Blueprint for Agentic Commerce: Trust, Tokens & “Know Your Agent”
Ken Moore on why trust is the currency of innovation, why standards will converge, and how payments become agent-ready.
Ken Moore is the Chief Innovation Officer, CIO, of Mastercard and leads Mastercard Foundry, the company’s innovation arm. He’s a technologist by background (with experience spanning banking software, global markets, startups, consulting, and Citi), and he describes his role as a “practical innovator”: spotting where commerce is going and building production-grade products that can scale globally.
Listen/Watch Our Interview:
In this episode of Retailgentic, Scot and Ken map out how Mastercard saw agentic commerce coming early, and what they built in 2025 to prepare the ecosystem, especially around trust, identity, consent, and tokenization.
We dig into:
How Mastercard Foundry takes ideas from experiments → production-grade products → global scale
“Know Your Agent”: registering legitimate agents (agentic equivalent of KYC/KYB) to reduce malicious bot risk
“Order Intent”: adding richer context so that with consent, agents/merchants can fulfill the right order (not just process a payment)
Why consumer consent is non-negotiable (passkeys/biometrics + tokenized credentials)
Mastercard Insight Tokens: a secure and governed way for agents to access and apply permissioned insights from Mastercard, which will enable consumers to receive, with their consent, more personalized and useful experiences
Agentic Toolkit and why Mastercard leaned into services to support customers move from strategy → execution fast
Mastercard’s Agent Pay Acceptance Framework: helps merchants to
transact with trusted agents with a minimal lift
Standards: why Mastercard will support ACP + AP2 and expects interoperability (or convergence) over time
Agentic commerce won’t be won by whoever moves fastest, it’ll be won by whoever earns trust at scale.
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Check out the links we discuss:
🔗Agentic Toolkit
🔗Agentic Commerce Rules, Mastercard joins Google
🔗Mastercard Agent Suite
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