Ledger unveils AI security roadmap for agentic economy, focuses on keeping ‘humans in the loop’

Crypto wallet maker Ledger has unveiled an AI security roadmap as it looks to expand into the emerging agentic economy, where autonomous AI agents manage money and other tasks for humans.

As part of this plan, Ledger has named Ian Rogers, its chief experience officer and a board member, as its first chief human agency officer to lead its AI efforts and ensure humans remain in control.

AI agents are becoming more advanced and are expected to act like assistants capable of performing tasks, including financial transactions. Last month, Binance founder Changpeng “CZ” Zhao said, “AI agents will make 1 million times more payments than humans, and they will use crypto.”

Coinbase co-founder and CEO Brian Armstrong also said, “Very soon, there are going to be more AI agents than humans making transactions. They can’t open a bank account, but they can own a crypto wallet.”

Meanwhile, Stripe co-founder and president John Collison said in February he expects a “torrent of agentic commerce” to emerge, enabled by stablecoins and high-speed blockchains.

The rise of AI agents is expected to bring security risks, as users will need to trust these systems with sensitive data and assets.

Ledger said its focus is to ensure humans remain in control. The company said its hardware security tools can act as a final approval layer, even when AI agents are used.

“Ledger’s 2026 roadmap delivers the foundational building blocks for agent developers and operators, ensuring that while AI agents provide autonomy, the human owner provides the authority,” the company said.

Ledger’s AI security roadmap

Ledger outlined a phased roadmap for this year. The Paris-based company said developers can already use its device management kit, which allows AI agent developers to integrate Ledger hardware to keep humans in the loop for transaction approvals.

Ledger said MoonPay is already using this setup, where its AI agent proposes trades, but every transaction requires approval on a Ledger device.

In the second quarter, Ledger plans to launch hardware-linked identities for AI agents, allowing verification beyond what it described as “spoofable” software-based credentials.

In the third quarter, the company plans to introduce “agent intents and policies,” adding a human-in-the-loop approval layer where agents propose actions that users review on a “trusted display.”

Hardware-enforced policies will allow users to set autonomous boundaries such as spending limits or specific smart contract permissions, the company said.

By the fourth quarter, Ledger plans to introduce “proof of human” features aimed at verifying that a real person is behind an AI agent, helping reduce bot activity and multi-accounting.

“For years, we have known agents are our future co-workers, and we have been vocal about the terrifying security implications of giving our logins, identities, and wallets to AI agents. In 2025, people thought we were just paranoid. In 2026, this has become a consensus viewpoint,” said Rogers. “My goal is to ensure humans stay in the loop through a hardware root of trust, for all important decisions.”

Ledger, founded in 2014, is said to be exploring a New York initial public offering that could value it at more than $4 billion. Last month, the company named former Circle executive John Andrews as its new chief financial officer and opened a New York office as part of its U.S. expansion plans.

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