Why Organizations Can't Wait for W3C on Agent Identity Standards

The W3C is debating whether AI agents executing payments should inherit human credentials or operate with independent cryptographic identities—a decision that fundamentally determines audit trails, access control granularity, and dispute resolution. Building the wrong architecture now forces expensive retrofitting in 18 months, yet standardization won't be complete until 2028. Organizations deploying agentic payments today must make this architectural choice immediately rather than wait for committee consensus.