Protocol profile
Verifiable Intent (VI)
In short
An open SD-JWT credential format that chains credential provider, user and agent, binding user constraints (amount, merchants, items) so every party can prove what the agent was allowed to buy. For Verifiable Intent, merchant of record is n/a and dispute rules are evidence only. No surface states VI is live. One limit: does not move funds.
Fact sheet
- Type
- Protocol
- Operator
- Mastercard, with Google; contributed to FIDO Alliance
- Homepage
- verifiableintent.dev
- Matrix reach
- 0 live, 1 pilot, 0 announced, 0 not supported, 26 with no statement found
Readiness for merchants
Seven rows, each read from a primary source on 4 Nov 2026. The method page defines every row.
| Rubric row | Reading | Evidence | Source and read date |
|---|---|---|---|
| Specification public | Yes | Draft v0.1 on GitHub and verifiableintent.dev. | github.com, 4 Nov 2026 |
| Reference implementation | Yes | Initial reference implementation published with the spec. | mastercard.com, 4 Nov 2026 |
| Live surfaces | None | No surface states VI is live. | mastercard.com, 4 Nov 2026 |
| Processor support | Announced | Checkout.com lists VI for proof of intent; others committed. | checkout.com, 4 Nov 2026 |
| Merchant of record | N/a | An evidence format; does not change who sells. | github.com, 4 Nov 2026 |
| Dispute rules | Evidence only | Gives an audit trail for disputes; liability is set by network rules. | mastercard.com, 4 Nov 2026 |
| Cost | No fee | Open specification. | github.com, 4 Nov 2026 |
The row in full: every column
| Column | Status | Note | Source and read date |
|---|---|---|---|
| Stripe | no statement found | no statement found (2026-11-04) | docs.stripe.com, 4 Nov 2026 |
| Adyen | no statement found | no statement found (2026-11-04) | docs.adyen.com, 4 Nov 2026 |
| PayPal | no statement found | no statement found (2026-11-04) | developer.paypal.com, 4 Nov 2026 |
| Checkout.com | pilot | Committed partner at the Verifiable Intent launch; agentic page lists Verifiable Intent for intent, with a waitlist | mastercard.com, checkout.com, 4 Nov 2026 |
| Braintree | no statement found | no statement found (2026-11-04) | developer.paypal.com, 4 Nov 2026 |
| Worldpay | no statement found | no statement found (2026-11-04) | worldpay.com, 4 Nov 2026 |
| Coinbase | no statement found | no statement found (2026-11-04) | docs.cdp.coinbase.com, 4 Nov 2026 |
| Crossmint | no statement found | no statement found (2026-11-04) | docs.crossmint.com, 4 Nov 2026 |
| Skyfire | no statement found | no statement found (2026-11-04) | docs.skyfire.xyz, 4 Nov 2026 |
| PayOS | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| Shopify | no statement found | no statement found (2026-11-04) | shopify.dev, 4 Nov 2026 |
| BigCommerce | no statement found | no statement found (2026-11-04) | bigcommerce.com, 4 Nov 2026 |
| Salesforce CC | no statement found | no statement found (2026-11-04) | salesforce.com, 4 Nov 2026 |
| Adobe Commerce | no statement found | no statement found (2026-11-04) | experienceleague.adobe.com, 4 Nov 2026 |
| commercetools | no statement found | no statement found (2026-11-04) | docs.commercetools.com, 4 Nov 2026 |
| WooCommerce | no statement found | no statement found (2026-11-04) | woocommerce.com, 4 Nov 2026 |
| Amazon | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 |
| Walmart | no statement found | no statement found (2026-11-04) | corporate.walmart.com, 4 Nov 2026 |
| Target | no statement found | no statement found (2026-11-04) | corporate.target.com, 4 Nov 2026 |
| Etsy | no statement found | no statement found (2026-11-04) | help.etsy.com, 4 Nov 2026 |
| Wayfair | no statement found | no statement found (2026-11-04) | aboutwayfair.com, 4 Nov 2026 |
| ChatGPT | no statement found | no statement found (2026-11-04) | chatgpt.com, 4 Nov 2026 |
| Google AI Mode | no statement found | no statement found (2026-11-04) | developers.google.com, 4 Nov 2026 |
| Perplexity | no statement found | no statement found (2026-11-04) | perplexity.ai, 4 Nov 2026 |
| Amazon Rufus | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 |
| Meta Muse | no statement found | no statement found (2026-11-04) | about.fb.com, 4 Nov 2026 |
| Copilot | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 |
| 1 live or pilot of 27 |
What Verifiable Intent does not do
- Does not move funds.
- Is a draft (v0.1), not a ratified standard.
- Does not change card-network liability by itself.
Sourced facts
- Mastercard announced Verifiable Intent on 5 Mar 2026 as an open trust layer co-developed with Google, aligned with AP2 and UCP and designed to be protocol agnostic. mastercard.com, read 4 Nov 2026.
- The README status is "Draft (v0.1). Maintained by Mastercard; open to multi-stakeholder contribution." github.com, read 4 Nov 2026.
- VI defines a layered SD-JWT delegation chain (credential provider to user to agent) with key confirmation (RFC 7800) and selective disclosure per role. github.com, read 4 Nov 2026.
- Machine-enforceable constraints (amount, payee, merchant) are verified at execution time; descriptive fields such as brand or size are informational. github.com, read 4 Nov 2026.
- Companies named as committing include Google, Adyen, Basis Theory, Checkout.com, Getnet, Fiserv, IBM and Worldpay. mastercard.com, read 4 Nov 2026.
- Mastercard contributed Verifiable Intent to the FIDO Alliance Payments Technical Working Group on 28 Apr 2026. fidoalliance.org, read 4 Nov 2026.
- AP4M credentials agents "with Verifiable Intent" (10 Jun 2026). mastercard.com, read 4 Nov 2026.
In the vendors section
- Mastercard, card network profile
- FIDO Alliance, rules or identity programme profile
Compare and alternatives
Sources
- verifiableintent.dev, read 4 Nov 2026
- mastercard.com/us/en/news-and-trends/stories/2026/verifiable-intent.html, read 4 Nov 2026
- Verifiable Intent repository, read 4 Nov 2026
- FIDO Alliance to develop standards for trusted AI agent interactions, read 4 Nov 2026
- Mastercard launches Agent Pay for Machines, read 4 Nov 2026
- checkout.com/agentic-commerce, read 4 Nov 2026
Last reviewed