Joe Wiggins
Group Corporate Communications Director
New standard for AI agents to present eligible credit offers
Protocol will play a fundamental role in the infrastructure for the next era of credit and financial services
The ClearScore Group has announced the its Agentic Credit Broking Protocol (ACBP), a new set of standards which will enable AI agents to conduct credit broking journeys on behalf of users, while maintaining regulatory compliance for lenders.
Agentic AI is moving the integration of artificial intelligence in financial services to a new phase, from passive assistance to active agency. As AI usage continues to proliferate, prospective borrowers are now comparing credit products, progressing to choosing products, making applications, and executing their intentions through agents. This is potentially challenging, with agents giving unregulated recommendations – or even financial advice – without necessarily having access to the deep integrations and data which make seamless, secure and appropriate credit journeys happen. The ClearScore Group’s ACBP is a breakthrough for the credit broking industry globally. The protocol defines what a compliant and optimal journey should look like, is jurisdiction-neutral and considers the state of integrations in a local market. It is an open standard that allows AI agents to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders are assured their products are being sold in a compliant, auditable way.
ClearScore’s ACBP unlocks the potential of AI-powered credit matching. It does this by designing the functionality which allows AI apps and assistants to present eligible credit offers in a fully compliant package that combines suitability, pre-approval and an audit trail. The protocol separates who mediates the interaction from who carries regulatory responsibility, allowing AI assistants to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders can rely on the sales process.
Justin Basini, Co-founder and CEO at the ClearScore Group, said: “We are building an Agentic Credit Broking Protocol because users will, of course, begin their financial journeys through AI assistants and applications, much like they did many years ago through the internet. Without defined and shared approaches, however, those assistants have no way to participate in regulated credit broking and provide the seamless experience that people expect.
"This protocol will play a fundamental role in the infrastructure for the next era of credit and financial services. It will allow secure, compliant and seamless agent-to-agent interaction, leveraging data and deep integrations with lenders to ensure that a user can execute the whole credit journey through their chosen agent. This enables the credit broker to ensure that the journey is compliant and appropriate, and the lender can rely on the sale.”
In the same way that A2P, APP and x402 payment protocols enable APIs, apps and AI agents to transact seamlessly, unlocking a faster internet economy, ClearScore’s ACBP unlocks AI-powered credit matching, thus delivering significant gains for providers of AI-agents, brokers, lenders and consumers.
Over the coming months the ClearScore Group will be convening the global AI, broking, lending, and regulatory credit industry around this protocol to ensure it develops as an open architecture, which can serve the needs of users securely, efficiently and in a compliant manner. This will ensure that users’ needs are protected, and they are offered suitable products in a compliant way. It will also ensure lenders can get access to this new channel, the broking process is efficient and in line with local regulations, and the providers of agents can provide these interactions confidently.
Why It Matters
Users stay in their chosen assistant throughout the journey.
Brokers gain distribution through every AI channel without losing regulatory control.
Lenders get new distribution without new trust requirements.
Regulators get structured, replayable audit trails for every journey, regardless of which UA mediated it.
Future iterations of ClearScore’s ACBP will be announced over the coming months.
New standard for AI agents to present eligible credit offers
Protocol will play a fundamental role in the infrastructure for the next era of credit and financial services
The ClearScore Group has announced the its Agentic Credit Broking Protocol (ACBP), a new set of standards which will enable AI agents to conduct credit broking journeys on behalf of users, while maintaining regulatory compliance for lenders.
Agentic AI is moving the integration of artificial intelligence in financial services to a new phase, from passive assistance to active agency. As AI usage continues to proliferate, prospective borrowers are now comparing credit products, progressing to choosing products, making applications, and executing their intentions through agents. This is potentially challenging, with agents giving unregulated recommendations – or even financial advice – without necessarily having access to the deep integrations and data which make seamless, secure and appropriate credit journeys happen. The ClearScore Group’s ACBP is a breakthrough for the credit broking industry globally. The protocol defines what a compliant and optimal journey should look like, is jurisdiction-neutral and considers the state of integrations in a local market. It is an open standard that allows AI agents to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders are assured their products are being sold in a compliant, auditable way.
ClearScore’s ACBP unlocks the potential of AI-powered credit matching. It does this by designing the functionality which allows AI apps and assistants to present eligible credit offers in a fully compliant package that combines suitability, pre-approval and an audit trail. The protocol separates who mediates the interaction from who carries regulatory responsibility, allowing AI assistants to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders can rely on the sales process.
Justin Basini, Co-founder and CEO at the ClearScore Group, said: “We are building an Agentic Credit Broking Protocol because users will, of course, begin their financial journeys through AI assistants and applications, much like they did many years ago through the internet. Without defined and shared approaches, however, those assistants have no way to participate in regulated credit broking and provide the seamless experience that people expect.
"This protocol will play a fundamental role in the infrastructure for the next era of credit and financial services. It will allow secure, compliant and seamless agent-to-agent interaction, leveraging data and deep integrations with lenders to ensure that a user can execute the whole credit journey through their chosen agent. This enables the credit broker to ensure that the journey is compliant and appropriate, and the lender can rely on the sale.”
In the same way that A2P, APP and x402 payment protocols enable APIs, apps and AI agents to transact seamlessly, unlocking a faster internet economy, ClearScore’s ACBP unlocks AI-powered credit matching, thus delivering significant gains for providers of AI-agents, brokers, lenders and consumers.
Over the coming months the ClearScore Group will be convening the global AI, broking, lending, and regulatory credit industry around this protocol to ensure it develops as an open architecture, which can serve the needs of users securely, efficiently and in a compliant manner. This will ensure that users’ needs are protected, and they are offered suitable products in a compliant way. It will also ensure lenders can get access to this new channel, the broking process is efficient and in line with local regulations, and the providers of agents can provide these interactions confidently.
Why It Matters
Users stay in their chosen assistant throughout the journey.
Brokers gain distribution through every AI channel without losing regulatory control.
Lenders get new distribution without new trust requirements.
Regulators get structured, replayable audit trails for every journey, regardless of which UA mediated it.
Future iterations of ClearScore’s ACBP will be announced over the coming months.
Joe Wiggins
Group Corporate Communications Director
New standard for AI agents to present eligible credit offers
Protocol will play a fundamental role in the infrastructure for the next era of credit and financial services
The ClearScore Group has announced the its Agentic Credit Broking Protocol (ACBP), a new set of standards which will enable AI agents to conduct credit broking journeys on behalf of users, while maintaining regulatory compliance for lenders.
Agentic AI is moving the integration of artificial intelligence in financial services to a new phase, from passive assistance to active agency. As AI usage continues to proliferate, prospective borrowers are now comparing credit products, progressing to choosing products, making applications, and executing their intentions through agents. This is potentially challenging, with agents giving unregulated recommendations – or even financial advice – without necessarily having access to the deep integrations and data which make seamless, secure and appropriate credit journeys happen. The ClearScore Group’s ACBP is a breakthrough for the credit broking industry globally. The protocol defines what a compliant and optimal journey should look like, is jurisdiction-neutral and considers the state of integrations in a local market. It is an open standard that allows AI agents to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders are assured their products are being sold in a compliant, auditable way.
ClearScore’s ACBP unlocks the potential of AI-powered credit matching. It does this by designing the functionality which allows AI apps and assistants to present eligible credit offers in a fully compliant package that combines suitability, pre-approval and an audit trail. The protocol separates who mediates the interaction from who carries regulatory responsibility, allowing AI assistants to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders can rely on the sales process.
Justin Basini, Co-founder and CEO at the ClearScore Group, said: “We are building an Agentic Credit Broking Protocol because users will, of course, begin their financial journeys through AI assistants and applications, much like they did many years ago through the internet. Without defined and shared approaches, however, those assistants have no way to participate in regulated credit broking and provide the seamless experience that people expect.
"This protocol will play a fundamental role in the infrastructure for the next era of credit and financial services. It will allow secure, compliant and seamless agent-to-agent interaction, leveraging data and deep integrations with lenders to ensure that a user can execute the whole credit journey through their chosen agent. This enables the credit broker to ensure that the journey is compliant and appropriate, and the lender can rely on the sale.”
In the same way that A2P, APP and x402 payment protocols enable APIs, apps and AI agents to transact seamlessly, unlocking a faster internet economy, ClearScore’s ACBP unlocks AI-powered credit matching, thus delivering significant gains for providers of AI-agents, brokers, lenders and consumers.
Over the coming months the ClearScore Group will be convening the global AI, broking, lending, and regulatory credit industry around this protocol to ensure it develops as an open architecture, which can serve the needs of users securely, efficiently and in a compliant manner. This will ensure that users’ needs are protected, and they are offered suitable products in a compliant way. It will also ensure lenders can get access to this new channel, the broking process is efficient and in line with local regulations, and the providers of agents can provide these interactions confidently.
Why It Matters
Users stay in their chosen assistant throughout the journey.
Brokers gain distribution through every AI channel without losing regulatory control.
Lenders get new distribution without new trust requirements.
Regulators get structured, replayable audit trails for every journey, regardless of which UA mediated it.
Future iterations of ClearScore’s ACBP will be announced over the coming months.
Joe Wiggins
Group Corporate Communications Director
New standard for AI agents to present eligible credit offers
Protocol will play a fundamental role in the infrastructure for the next era of credit and financial services
The ClearScore Group has announced the its Agentic Credit Broking Protocol (ACBP), a new set of standards which will enable AI agents to conduct credit broking journeys on behalf of users, while maintaining regulatory compliance for lenders.
Agentic AI is moving the integration of artificial intelligence in financial services to a new phase, from passive assistance to active agency. As AI usage continues to proliferate, prospective borrowers are now comparing credit products, progressing to choosing products, making applications, and executing their intentions through agents. This is potentially challenging, with agents giving unregulated recommendations – or even financial advice – without necessarily having access to the deep integrations and data which make seamless, secure and appropriate credit journeys happen. The ClearScore Group’s ACBP is a breakthrough for the credit broking industry globally. The protocol defines what a compliant and optimal journey should look like, is jurisdiction-neutral and considers the state of integrations in a local market. It is an open standard that allows AI agents to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders are assured their products are being sold in a compliant, auditable way.
ClearScore’s ACBP unlocks the potential of AI-powered credit matching. It does this by designing the functionality which allows AI apps and assistants to present eligible credit offers in a fully compliant package that combines suitability, pre-approval and an audit trail. The protocol separates who mediates the interaction from who carries regulatory responsibility, allowing AI assistants to conduct credit broking journeys on behalf of users, while brokers retain full regulatory control and lenders can rely on the sales process.
Justin Basini, Co-founder and CEO at the ClearScore Group, said: “We are building an Agentic Credit Broking Protocol because users will, of course, begin their financial journeys through AI assistants and applications, much like they did many years ago through the internet. Without defined and shared approaches, however, those assistants have no way to participate in regulated credit broking and provide the seamless experience that people expect.
"This protocol will play a fundamental role in the infrastructure for the next era of credit and financial services. It will allow secure, compliant and seamless agent-to-agent interaction, leveraging data and deep integrations with lenders to ensure that a user can execute the whole credit journey through their chosen agent. This enables the credit broker to ensure that the journey is compliant and appropriate, and the lender can rely on the sale.”
In the same way that A2P, APP and x402 payment protocols enable APIs, apps and AI agents to transact seamlessly, unlocking a faster internet economy, ClearScore’s ACBP unlocks AI-powered credit matching, thus delivering significant gains for providers of AI-agents, brokers, lenders and consumers.
Over the coming months the ClearScore Group will be convening the global AI, broking, lending, and regulatory credit industry around this protocol to ensure it develops as an open architecture, which can serve the needs of users securely, efficiently and in a compliant manner. This will ensure that users’ needs are protected, and they are offered suitable products in a compliant way. It will also ensure lenders can get access to this new channel, the broking process is efficient and in line with local regulations, and the providers of agents can provide these interactions confidently.
Why It Matters
Users stay in their chosen assistant throughout the journey.
Brokers gain distribution through every AI channel without losing regulatory control.
Lenders get new distribution without new trust requirements.
Regulators get structured, replayable audit trails for every journey, regardless of which UA mediated it.
Future iterations of ClearScore’s ACBP will be announced over the coming months.
Joe Wiggins
Group Corporate Communications Director