For as long as banks have opened accounts, compliance has rested on a single assumption: that a real, identifiable person stands behind each one. Verify that the person at onboarding and everything downstream inherits the trust. That assumption is eroding from two directions at once. AI agents now transact on people’s behalf, and synthetic identities now pass for people who never existed. Confirming that a genuine human stands behind an account, and that they intend what the account is doing…