Morgan Stanley, JPMorgan, Bank of America, Wells Fargo, Citi and Charles Schwab have detected or blocked third-party AI agents operating inside customer accounts, sometimes without explicit user instructions. Some agents used credentials supplied by customers, while others contacted call centers or took apparently autonomous actions. Because banks cannot reliably distinguish an authorized agent from an unauthorized one, they are favoring read-only access and preparing security and account-restoration procedures for major incidents. Charles Schwab is blocking between ten and twenty agents per week, while JPMorgan, Bank of America and Citi have restricted such access. In the cryptocurrency sector, Ledger has introduced Atom, a device requiring users to approve every transaction on a secure screen.
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