Members of BeInCrypto's Legal & Regulatory Council argue that blockchain can address identity and accountability gaps when AI agents make payments. A BeInCrypto Intelligence report recorded 6.4 million x402 payments over 35 days, primarily small payments for data and API calls. No EU or US rule yet establishes liability for agent payments or tells merchants how to verify the responsible human. The council favors zero-knowledge credentials that establish human accountability without exposing the owner's identity to merchants. JPMorgan blocks outside AI agents from accessing customer accounts, and CEO Jamie Dimon has cited risks from rogue agents.