A comprehensive regulatory push in 2026 coordinates guidance from Chinese regulators on standardized intelligent agent applications, with national standard drafts (GB/Z185.1~185.7-2026) and mandatory plans for intelligent agent security; terminal manufacturers are aligning with developer consent for operations.

Contextual background recalls December 2025 when an AI-assisted smartphone caused abnormal logins and payment issues, leading to the temporary removal of a financial app-control function due to the lack of applicable rules at that time.

The standard enforces a dual-authorization model where intelligent agents must secure both user and financial institution approval to operate financial apps, and third-party agents are prohibited from reading or controlling financial app GUIs without institutional consent.

The regulatory framework targets five areas: initialization and input, model reasoning and decision-making, identity authentication and operation, data security and privacy protection, and risk control and compliance.

Industry adaptations illustrate changes in smartphone agent interactions (examples include Doubao, MCP services), GUI-MCP protocol adoption by devices like Jieyue Star STEPX Neo, and new WeChat/Honor integrations enabling agent-to-agent operations with layered authorization.

The Beijing Financial Technology Industry Alliance released the Security Requirements for Intelligent Agent Technology in Financial Applications on August 27, marking the first group standard addressing security for intelligent agent applications in China’s financial sector.

International trends show Google and Samsung adopting system-opened-permission and app-cooperation models on the Galaxy S26 series, signaling a global shift toward developer-coordinated control of agent capabilities.

Leadership for the standard came from the Beijing National Financial Technology Certification Center and was co-developed with major banks (Industrial and Commercial Bank of China, Bank of China, China Post Savings Bank), financial service providers (China UnionPay), and tech firms (Huawei, Ant Group, Tencent Cloud).