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Strong Customer Authentication

强客户认证(SCA)

Requiring two or more independent factors at payment time (something you know, have, or are). The agent-era difficulty is that an agent natively has none of the three.

RELATED TERMS

  • PSD2The EU payments directive that established open banking and
  • KYA (Know Your Agent)Attributing identity to an AI agent that initiates payments:

This definition is citable at a stable URL: https://oceanalt.com/en/glossary/sca

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