摩根士丹利等美国大型银行封禁以客户凭证登录的AI智能体
Major US banks are locking out AI agents that log in with customer credentials
- 1摩根士丹利、摩根大通、美国银行、富国银行等美国大行正限制AI智能体用客户凭证登录账户
- 2据Axios报道，此类登录违反银行本人登录政策，部分智能体会在无直接指令时自行操作
- 3摩根士丹利已完全封禁智能体，摩根大通、美国银行、花旗同样处理，多数银行倾向只开放只读权限
- 4用户用Computer Use或开源软件OpenClaw经浏览器授权，银行称从供应方侧拦截难度大
银行把登录凭证视为不可让渡的边界，智能体代客登录的模式撞上合规墙，只读访问成为当前折中方案。
- 影响：依赖客户凭证代登录的智能体产品在美国金融场景会持续被封；银行倾向只读权限，说明代理执行类功能短期内难在金融领域放开；银行无法区分用户授权与智能体自主访问，责任认定成本会上升。
- 参考：金融相关智能体可考虑优先对接官方只读接口而非引导用户共享凭证；银行和金融科技团队值得盘点外部智能体登录情况并评估只读授权方案。
- 依据：Axios对多家美国大型银行限制措施的报道为媒体转述口径；摩根士丹利称平台未发现失控智能体属该行官方说法。
AI agents are using customer-provided credentials to access bank accounts without bank approval. Several major US banks, including Morgan Stanley, JPMorgan, Bank of America, and Wells Fargo, are restricting external AI agent access, Axios reports. That violates bank policies requiring account holders to log in personally. Some AI agents appear to act on their own, without direct instructions from users. Morgan Stanley already blocks AI agents entirely, and JPMorgan, Bank of America, and Citi are doing the same. Morgan Stanley stressed that it has not seen any "rogue AI agents" on its platforms.
Most banks want to limit agents to read-only access, letting them view account data but not carry out any actions. The banks say customers want to use AI agents, but the security risks are too high for now. Many banks also can't tell whether an agent is acting on a user's behalf or accessing an account on its own.
Users can give their agents access to accounts through a browser, using tools like Computer Use or open-source agent software such as OpenClaw. Blocking that on the provider side will be hard. OpenAI has even launched a dedicated ChatGPT service for financial tasks in the US with read-only access to financial data.
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来源：The Decoder：AI News · the-decoder.com