{"version":"1.0","generated_at":"2026-10-23T10:39:09.730365","id":3564,"slug":"major-us-banks-are-locking-out-ai-agents-that-log-in-with-customer-credentials","title":"美国大型银行正阻止使用客户凭证登录的 AI 代理","summary":"多家美国大型银行限制外部 AI 代理使用客户凭证访问账户，违反本人登录政策；银行倾向只读访问，安全风险与身份识别是核心障碍。","abstract":"美国大型银行正阻止使用客户凭证登录的 AI 代理 多家美国大型银行限制外部 AI 代理使用客户凭证访问账户，违反本人登录政策；银行倾向只读访问，安全风险与身份识别是核心障碍。 多家美国大型银行限制外部 AI 代理使用客户凭证访问账户，违反本人登录政策；银行倾向只读访问，安全风险与身份识别是核心障碍。 原贴提到：AI agents are using customer-provided credentials to access bank account 来源：the-decoder.com AI 代理正在使用客户提供的凭证访问银行账户，且未经银行批准。 包括摩根士丹利、摩根大通、美国银行和富国银行在内的多家美国大型银行正在限制外部 AI 代理访问，Axios 报道。 这违反了要求账户持有人亲自登录的银行政策。 一些 AI 代理似乎自行行动，没有用户的直接指示。 摩根士丹利已经完全阻止 AI 代理，摩根大通、美国银行和花旗也在这样做。 摩根士丹利强调，它尚未在其平台上看到任何“流氓 AI 代理”。 大多数银行希望将代理限制为只读访问，让它们查看账户数据但不执行任何操作。 银行表示客户希望使用 AI 代理，但目前安全风险过高。 许多银行也无法判断代理是在代表用户行动，还是自行访问账户。 用户可以通过浏览器，使用 Computer Use 或 OpenClaw 等开源代理软件等工具，让自己的代理访问账户。 在提供商侧阻止这一点将会很难。 OpenAI 甚至在美国推出了一项专门的 ChatGPT 金融服务，对财务数据具有只读访问权限。 据 The Decoder 援引 Axios 的…","access_level":"member","access_label":"免费阅读","access_mode":"full","is_preview":false,"canonical_url":"https://opc.beizhux.com/content/3564/major-us-banks-are-locking-out-ai-agents-that-log-in-with-customer-credentials","html_url":"https://opc.beizhux.com/content/3564/major-us-banks-are-locking-out-ai-agents-that-log-in-with-customer-credentials","json_url":"https://opc.beizhux.com/content/3564/major-us-banks-are-locking-out-ai-agents-that-log-in-with-customer-credentials.json","published_at":"2026-10-23T02:26:02","updated_at":"2026-10-23T10:00:16","category":{"slug":"ai-business","name":"AI小生意项目库"},"source":{"site":"the-decoder.com","author":"Manuel Uth","url":"https://the-decoder.com/major-us-banks-are-locking-out-ai-agents-that-log-in-with-customer-credentials/"},"tags":["AI代理","AI治理","开放银行","权限治理","账户授权","金融安全","金融科技","银行安全","银行风控"],"topics":[{"slug":"ai-side-business","name":"AI副业","url":"https://opc.beizhux.com/topics/ai-side-business","reason":"这篇内容命中「项目、小生意、变现」等主题信号。"}],"keywords":["AI小生意项目库","AI副业","工具","自动化","Agent","工作流","副业","创业","项目","小生意","变现","交付"],"questions":[{"question":"美国大型银行正阻止使用客户凭证登录的 AI 代理主要讲什么？","answer":"多家美国大型银行限制外部 AI 代理使用客户凭证访问账户，违反本人登录政策；银行倾向只读访问，安全风险与身份识别是核心障碍。"},{"question":"这篇文章最值得关注的要点是什么？","answer":"多家美国大型银行限制外部 AI 代理使用客户凭证访问账户，违反本人登录政策；银行倾向只读访问，安全风险与身份识别是核心障碍。；原贴提到：AI agents are using customer-provided credentials to access bank account；来源：the-decoder.com"},{"question":"这篇文章和哪些AI专题相关？","answer":"它适合放在AI副业专题里阅读。 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