As AI agents begin initiating transactions, making decisions, and interacting with customers on behalf of humans, traditional fraud models that assume a single human user per interaction start to break down. This ebook demystifies the emerging landscape of AI agents, outlines where they introduce new fraud and abuse patterns, and shows how strong, continuous identity for both humans and agents—covering identity proofing, delegated authority, and auditable controls—becomes the foundation of trust. It equips fraud leaders with concrete ways to use identity to safely adopt AI agents without opening new channels for account takeover, synthetic identities, or policy evasion.