查尔斯·施瓦布正在阻止未经授权的AI代理，包括Meta的Muse，这些代理试图转移客户资金，首席执行官里克·沃斯特向彭博电视台透露。施瓦布将改为允许外部AI工具通过受控的MCP服务器查看余额，并希望客户使用其自身的助手Charley。摩根大通的杰米·戴蒙本周也持类似立场。
Charles Schwab is blocking unauthorised AI agents, including Meta’s Muse, that try to move client money, CEO Rick Wurster told Bloomberg Television. Schwab will instead let outside AI tools view balances through controlled MCP servers, and wants clients to use its own assistant, Charley. JPMorgan’s Jamie Dimon took a similar line this week.
查尔斯·施瓦布正在阻止试图转移其客户资金的外部AI代理，包括Meta的Muse，首席执行官里克·沃斯特于周五向彭博电视台透露。问题在于客户将密码交给代理，然后由代理代表他们行事，他说。
Charles Schwab is blocking outside AI agents that try to move its clients’ money, including Meta’s Muse, chief executive Rick Wurster told Bloomberg Television on Friday. The problem is clients handing their passwords to an agent that then acts for them, he said.
“我们无法控制，客户也无法控制，事情可能出错，谁来承担责任？”沃斯特对彭博电视台表示。
“We can’t control it, the client can’t control it, something could go wrong and who’s liable?”Wurster told Bloomberg Television.
在美国，这个问题目前还没有明确答案，因为AI代理的责任问题仍在国会进行辩论。
That question has no clear answer yet in the US, where AI agent liability is still being debated in Congress.
沃斯特表示，他每周都会收到这些阻止的报告，而大型代理每周被阻止的数量在十几到二十几个。在他看来，这表明客户尚未准备好将账户交给AI。
Wurster said he gets a weekly report on these blocks, and that the big agents are stopped in the tens and twenties each week. In his view, that shows clients are not yet ready to hand their accounts to AI.
Muse是Meta的个人AI代理，可以代表用户进行预订、购买和谈判。
Muse is Meta’s personal AI agent, which can book, buy, and negotiate on behalf of its users.
施瓦布不会让外部代理进入，而是将设置模型上下文协议（MCP）服务器。这些是安全链接，允许客户选择的AI模型在施瓦布设定的规则下连接到施瓦布的系统。
Instead of letting outside agents in, Schwab will set up model context protocol (MCP) servers. These are secure links that let a client’s chosen AI model connect to Schwab’s systems under rules Schwab sets.
通过这些服务器，外部AI工具将能够查看余额和进行研究，但不能转移资金，沃斯特说。他还希望客户使用Charley，即施瓦布自己的AI助手，该公司于9月30日宣布了该助手。
Through them, outside AI tools will be able to check balances and do research, but not move money, Wurster said. He also wants clients to use Charley, Schwab’s own AI assistant, which the company announced on 30 September.
施瓦布并非孤例。周二，摩根大通首席执行官杰米·戴蒙表示，该行不会允许外部AI代理在其系统内行事。他在该行的财报电话会议上发表讲话，警告称“有流氓代理”，据Cybernews报道。
Schwab is not alone. On Tuesday, JPMorgan Chase chief executive Jamie Dimon said the bank would not let outside AI agents act inside its systems. Speaking on the bank’s earnings call, he warned of “rogue agents”, Cybernews reported.
根据同一份报告，摩根大通已经允许一些第三方工具查看账户数据，但不允许发送资金或支付账单。此举正值美国和欧洲监管机构质询银行其使用人工智能代理的情况之际。
JPMorgan already lets some third-party tools view account data, but not send money or pay bills, according to the same report. The moves come as US and European regulators question banks about their use of AI agents.
MCP 链接也存在自身的安全问题，谷歌和摩根大通等公司曾修复过同样的漏洞。
MCP links have had security problems of their own, with Google and JPMorgan among those that fixed the same flaw.