# Trulioo AI - Identity and Trust for the Agentic Economy

Markdown twin of mcp.trulioo.com for agents and machine readers. See also
[/llms.txt](/llms.txt) for the structured map.

## What this is

AI-native identity by Trulioo. For over a decade Trulioo has verified identities across
195 countries; that global trust now extends to AI agents through two live surfaces and
a set of capabilities on the way.

## Let your agent guide your KYB setup

Paste this into your coding agent:

```
Help me connect Trulioo MCP and complete a KYB verification in sandbox.
Read https://mcp.trulioo.com/agent-guide.md first. Check whether Trulioo is already
connected, then guide me through business discovery, verification, polling, and report
retrieval. Stay within the KYB tools documented in the guide.
```

[agent-guide.md](/agent-guide.md) covers connection checks, OAuth, business discovery,
verification, polling, report retrieval, and the common KYB fixes.

## Connect an agent (MCP) - live

The Trulioo MCP server exposes KYC, KYB, and Know Your Agent as one typed, discoverable
interface. Your MCP client discovers the authorization server and registers itself over
OAuth 2.1 with PKCE, so there is no key to copy-paste.

- Docs: https://mcp.trulioo.com/developer/
- Hosted endpoint: `https://mcp.trulioo.com/mcp`
- Skills catalog: https://mcp.trulioo.com/.well-known/skills/index.json

Minimal MCP client config:

```json
{ "mcpServers": { "trulioo": { "url": "https://mcp.trulioo.com/mcp" } } }
```

Onboarding sequence: `trulioo_health` -> `config_discover_account` ->
`config_describe_context` -> `kyc_verify` / `kyb_verify`.

## Know Your Agent (KYA) - live

Prove who is behind an AI agent. Verify the accountable organization (KYC/KYB +
sanctions), issue a signed, scoped, revocable credential, and let anyone verify it in
milliseconds - anchored in a tamper-evident log, on open standards, no blockchain.

- Landing + live console: https://mcp.trulioo.com/kya
- Credential schema (A2A v1.0.0 extension): https://identity.trulioo.com/a2a/kya/v1

## Trulioo agents - UBO Discovery (live)

The UBO Discovery Agent automates beneficial-ownership discovery - reconstructing
ownership across jurisdictions and fragmented sources to reach natural persons where
registries stop, and citing every source behind each determination.

- Landing: https://mcp.trulioo.com/ubo
- Runs inside the existing KYB verification workflow. Evidence comes from four source
  categories (official registries, commercial data, mandated disclosures, open-source
  intelligence), never from inference; the analyst accepts, rejects or escalates with a
  full audit trail attached to the case.

Verification model: the issuer signs a compact EdDSA JWS (`typ=kya-attestation+jwt`)
over `{iss, sub=fingerprint, iat, exp, verified, verified_as_of, allowed_scopes,
fingerprint}`. A relying party resolves the issuer JWKS, verifies the signature,
recomputes the fingerprint, checks `exp`, and rejects on `verified=false`.
The card's `display` block is convenience-only; the signed attestation is authoritative.
No standing sanctions boolean is signed - that would assert a check which may not have
run - so screening is a provenanced claim present only when it ran, and a hit or review
suspends the credential's standing instead.

## On the roadmap

- Agent Controls - velocity/value limits and step-up confirmation for issuers/acquirers.
- Agent Directory - a live registry of credentialed agents (trust standing, consent scope).
- Self-serve provisioning - mint your own keys, usage-based pricing.

## Coverage & trust

195+ countries via the underlying Trulioo verification network. SOC 2 Type II and
ISO 27001. Open standards (MCP, A2A). No personal data is required to explore the sandbox.