{"id":69766,"date":"2026-04-09T09:05:49","date_gmt":"2026-04-09T02:05:49","guid":{"rendered":"https:\/\/hbbgroup.net\/researchers-propose-new-way-to-manage-financial-risk-when-ai-agents-fumble-trades\/"},"modified":"2026-04-09T09:05:49","modified_gmt":"2026-04-09T02:05:49","slug":"researchers-propose-new-way-to-manage-financial-risk-when-ai-agents-fumble-trades","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/zh\/researchers-propose-new-way-to-manage-financial-risk-when-ai-agents-fumble-trades\/","title":{"rendered":"Researchers Propose New Way to Manage Financial Risk When AI Agents Fumble Trades"},"content":{"rendered":"<div>\n<div>\n<h4 color=\"#333\">In brief<\/h4>\n<ul>\n<li>A newly proposed \u201cAgentic Risk Standard\u201d separates AI jobs into fee-only tasks protected by escrow and fund-handling tasks that require underwriting.<\/li>\n<li>In simulations, underwriting reduced user losses by up to 61%, though zero-loading premiums left underwriters insolvent.<\/li>\n<li>Accurate failure-rate estimates remain the main challenge as both over- and underestimation create systemic risks.<\/li>\n<\/ul>\n<\/div>\n<p>As <a href=\"https:\/\/decrypt.co\/resources\/what-are-ai-agents-how-autonomous-programs-are-transforming-cryptocurrency\" target=\"_blank\" rel=\"noopener\">AI agents<\/a> begin to handle payments, financial trades, and other <a href=\"https:\/\/decrypt.co\/333303\/ai-trading-bots-booming-can-you-trust-them-with-your-money\" target=\"_blank\" rel=\"noopener\">transactions<\/a>, there\u2019s growing concern over the financial risks that fall on the human behind the agent when those systems fail. A consortium of researchers argues that current AI safety techniques do not address that risk, and new insurance-style techniques need to be considered.<\/p>\n<p>In a recent <a href=\"https:\/\/arxiv.org\/pdf\/2604.03976\" target=\"_blank\" rel=\"noopener\">paper<\/a>, researchers from Microsoft, Google DeepMind, Columbia University, and startups Virtuals Protocol and t54.ai proposed the Agentic Risk Standard, a settlement-layer framework designed to compensate users when an AI agent misexecutes a task, fails to deliver a service, or causes financial loss.<\/p>\n<p>\u201cTechnical safeguards can offer only probabilistic reliability, whereas users in high-stakes settings often require enforceable guarantees over outcomes,\u201d the paper said.<\/p>\n<p>The authors argue that most current AI research focuses on improving how models behave, including reducing <a href=\"https:\/\/decrypt.co\/151796\/ai-political-bias-left-right-research\" target=\"_blank\" rel=\"noopener\">bias<\/a>, making systems harder to <a href=\"https:\/\/decrypt.co\/357940\/summarize-ai-button-brainwashing-chatbot-microsoft\" target=\"_blank\" rel=\"noopener\">manipulate<\/a>, and making their decisions easier to understand.<\/p>\n<p>\u201cThese risks are fundamentally product-level and cannot be eliminated by technical safeguards alone because agent behavior is inherently stochastic,\u201d they wrote. \u201cTo address this gap between model-level reliability and user-facing assurance, we propose a complementary framework based on risk management.\u201d<\/p>\n<p>The Agentic Risk Standard adds financial safeguards to how AI jobs are handled. For simple tasks where the user only risks paying a service fee, payment is held in escrow and released only after the work is confirmed. For higher-risk tasks that require releasing money upfront, such as trading or currency exchanges, the system brings in an underwriter. The underwriter evaluates the risk, requires the service provider to post collateral, and repays the user if a covered failure happens.<\/p>\n<p>The paper noted that non-financial harms such as hallucination, defamation, or psychological harm remain outside the framework.<\/p>\n<p>The researchers said the system was tested using a simulation that ran 5,000 trials, adding that the experiment was limited and not designed to reflect real-world failure rates.<\/p>\n<p>\u201cThese results motivate future work on risk modeling for diverse failure modes, empirical measurement of failure frequencies under deployment-like conditions, and the design of underwriting and collateral schedules that remain robust under detector error and strategic behavior,\u201d the study said.<\/p>\n<div>\n<h3>Daily Debrief Newsletter<\/h3>\n<p>Start every day with the top news stories right now, plus original features, a podcast, videos and more.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In brief A newly proposed \u201cAgentic Risk Standard\u201d separates AI jobs into fee-only tasks protected by escrow and fund-handling tasks [&hellip;]<\/p>","protected":false},"author":5,"featured_media":69767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[220],"tags":[],"class_list":["post-69766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tien-dien-tu"],"acf":[],"_links":{"self":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/69766","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/comments?post=69766"}],"version-history":[{"count":0,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/69766\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media\/69767"}],"wp:attachment":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media?parent=69766"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/categories?post=69766"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/tags?post=69766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}