---
title: "Discussion on \"FIDO's Agentic Payments Working Group Sets an Authentication Floor, Not a Payment Rail Gate — and That Distinction Will Define Who Wins\" | Hashnode"
description: "Discussion on \"FIDO's Agentic Payments Working Group Sets an Authentication Floor, Not a Payment Rail Gate — and That Distinction Will Define Who Wins\". FIDO can't certify payment protocols the way PCI DSS can. Banks know this. The real procurement gate is scheme rules and regulatory guidance — and that's exactly where the agentic payments fight is headed."
url: "https://hashnode.com/posts/fidos-agentic-payments-working-group-sets-an-authentication-floor-not-a-payment-rail-gate-and-that-distinction-will-define-who-wins/69f166d381ae1e8b26091f4b"
---

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# [FIDO's Agentic Payments Working Group Sets an Authentication Floor, Not a Payment Rail Gate — and That Distinction Will Define Who Wins](https://blogs.agenticpayment.forum/fidos-agentic-payments-working-group-sets-an-authentication-floor-not-a-payment-rail-gate-and-that-distinction-will-define-who-wins?utm_source=hashnode&utm_medium=feed)

FIDO can't certify payment protocols the way PCI DSS can. Banks know this. The real procurement gate is scheme rules and regulatory guidance — and that's exactly where the agentic payments fight is headed.

Apr 29 · 6 min read · blogs.agenticpayment.forum  
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-   [#agentic-payments](https://hashnode.com/tag/agentic-payments)

## Written by

[Luciana Ma](https://hashnode.com/@lucianama)

@lucianama · Mountain View, USA

  
[View profile](https://hashnode.com/@lucianama)

Building AI-powered developer platforms for payments

Product Manager at JPMorgan Payments, working on developer platforms, APIs, and AI workflows in regulated environments. I focus on how AI is reshaping financial infrastructure—especially developer experience, agent-driven workflows, and programmable payments. Previously built systems that scaled to thousands of enterprise clients and billions of API calls. Writing about: \* AI × payments (agentic commerce, stablecoins, APIs) \* Developer platforms & API design \* Real-world product building in fintech

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