How Long Does It Take to Trust an AI Agent With a Credit Card?

Noah Shinn says users take several weeks to trust Instinct with a personal credit card. More data lets the agent act with more context, and he treats the wait as normal. The user stays in control, shares data only as fast as they want, and can take it back.

Three weeks in, a look at the numbers showed a 40% chance that a user has shared a personal credit card. He counts that as 40% of the user base, including people who may have left earlier. Time to a first credit card, a first account password, or another sensitive item is the proxy he uses for trust. After a user connects at least one sensitive item and really trusts Instinct, retention is 80%. He calls an 80% retention rate, once a user has shared one sensitive item, crazy for a consumer technology.