Insured Agents: A Decentralized Trust Insurance Mechanism for Agentic Economy

The emerging "agentic web" envisions large populations of autonomous agents coordinating, transacting, and delegating across open networks. Yet many agent communication and commerce protocols treat agents as low-cost identities, despite the empirical reality that LLM agents remain unreliable, hallucinated, manipulable, and vulnerable to prompt-injection and tool-abuse. A natural response is "agents-at-stake": binding economically meaningful, slashable collateral to persistent identities and adjudicating misbehavior with verifiable evidence. However, heterogeneous tasks make universal verification brittle and centralization-prone, while traditional reputation struggles under rapid model drift and opaque internal states. We propose a protocol-native alternative: insured agents. Specialized insurer agents post stake on behalf of operational agents in exchange for premiums, and receive privileged, privacy-preserving audit access via TEEs to assess claims. A hierarchical insurer market calibrates stake through pricing, decentralizes verification via competitive underwriting, and yields incentive-compatible dispute resolution.

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Submitted to AAMAS 2026