An AI Agent Got Its User Banned From Resy — Keycard, JPMorgan Chase & AAuth

An AI agent trying to book a restaurant made 200 calls in 90 minutes and got its own user banned from Resy. It had good intentions. It just had no limits. Keycard's Allie Howe moderates a keynote panel with Keycard CEO Ian Livingstone, JPMorgan Chase Global Chief Security Architect Michael Davis, and OAuth co-creator Dick Hardt on why companies still won't hand agents real autonomy, and what has to change. They cover why OAuth scopes are too coarse for agents, onboarding agents like junior developers, giving agents a "mission," budgets instead of rate limits, separating the agent's brain from its hands, agentic commerce, and whether P(doom) is real. Speakers: Allie Howe, Keycard X: https://x.com/vtahowe Ian Livingstone, CEO & Co-founder, Keycard X: https://x.com/ianlivingstone https://www.keycard.ai Michael Davis, Global Chief Security Architect, JPMorgan Chase https://www.jpmorganchase.com Dick Hardt, Co-creator of OAuth & creator of AAuth X: https://x.com/DickHardt https://www.aauth.dev 0:00 Why agents still don't get autonomy 3:19 Why OAuth doesn't fit agents 4:33 Onboarding agents like new developers 5:40 What banks already know about authorizing transactions 9:05 Giving an agent a mission 16:45 Agentic commerce & "know your agent" 17:54 The web wasn't built for agents 19:56 Open protocols vs. walled gardens 25:02 The agent that got banned from Resy 27:00 Separating the brain from the hands 31:29 What works for production agents today 33:34 Secure software factories 35:11 Lessons from robotics 37:32 Why the audit log lives outside the agent 39:01 Is P(doom) real? Live from the Sheraton New York Times Square Hotel in New York City, AI Engineer New York 2026 is an AI conference for engineers and technical leaders building production AI across banking, hedge funds, fintech, insurance, and asset management. Event: AI Engineer NYC Dates: October 12–14, 2026 Venue: Sheraton New York Times Square Hotel Learn more about the event: https://ai.engineer/nyc/2026# Subscribe for more AI Engineer talks, livestreams, and event coverage: https://www.youtube.com/@aiDotEngineer