Sam Altman’s World Brings Proof-of-Human IDs to Banks, Cites $40B AI Fraud Risk

World is repositioning proof-of-personhood from a crypto-native primitive into banking infrastructure, which matters because it puts a biometric identity layer between AI agents and financial accounts — a much higher-stakes deployment than prior consumer rollouts. The named design partners signal institutional appetite, but the delegation feature is the real test: once users can hand proofs to AI agents, the question becomes whether a proof of a human still means anything when the human isn't the one transacting. Watch whether banks treat delegated proofs as equivalent to direct ones.