The Current Thing: Banks Find Rogue AI Agents Inside Customer Accounts
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✶ TOP STORIES ✶ AI AGENTS

Major U.S. Banks Are Finding Unauthorized AI Agents Inside Customer Accounts

Axios' Madison Mills reports that major U.S. banks are detecting unauthorized third-party AI agents inside customer accounts, "including some attempting to take actions that appear to be independent of user instructions." Banks are struggling to tell humans from agents and are preparing "day after" scenarios (Madison Mills on X). The post passed 8.3M views.

Bernie Sanders' reaction: "This is insane... Pause AI NOW!" (Sen. Sanders on X). Same day, Quest Diagnostics, which serves about half of U.S. hospitals, disclosed a hack that exposed patient data (Andrew Curran on X).

OPERATOR TAKE: Agents are already logging in as your customers. Check whether your checkout, account pages and fraud rules can tell a shopper from a bot, before a chargeback spike tells you.

Today's Guests: Guest host Taylor Holiday, Abdulla Ababakre at 12:30, Cody Schneider at 12:45, Andrew Simmons at 1:10, Alexandra Fine at 1:30, Bill Rom at 1:50 CT. Watch live on YouTube.
Stories of the Day: Out on the Range

✶ META ADS

Meta Conversion Rates Drop as Much as 30–40% While Everything Else Looks Normal

Rok Hladnik says conversion rates are down "as much as 30–40%" over three weeks while CPMs, CTRs, add-to-carts and checkouts hold steady, and brands running aggressive promotions are fine (Rok Hladnik on X). DTC Prophet: "Meta performance is complete garbage this week... CVR is the only metric down a lot" (DTC Prophet on X). Steve Rekuc's theory: the iOS 27 rollout, starting around October 1 and noticeable from October 5 (Steve Rekuc on X).

OPERATOR TAKE: If the funnel looks healthy until the last click, don't panic-cut creative. Check your iOS share in Shopify, and lean on offers until the signal settles.

✶ COLLECTIBLES

Pokémon's 30th Celebration Sends Amazon Into an Invite-Only Queue

Amazon is running an invite queue for 30th Celebration Elite Trainer Boxes at $59.99 (PokeTCGAlerts on X). Not everyone got lucky: "ofc i get invited when it's $150 🫠" (sunniettv on X).

OPERATOR TAKE: An invite queue turns a restock into an event. Even a simple waitlist on your next drop builds the same feeling.

✶ RESALE

A U.K. Dad's Untouched Pokémon Collection Sells for £1.56M

One £300 set alone went for £75,000, and the whole collection brought in £1.56M. The best part of the story: "He never got to touch these, I'm glad to say" (SMB Attorney on X).

OPERATOR TAKE: Sealed and untouched is the whole value. If you sell collectibles, packaging and condition are part of the product.

Today's Featured Sponsor: Seguno
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Ecomm Cowboy listeners can get 22% off for two months.

Great Finds: TUCK nicotine-free pouches

1. TUCK Launches 10 Nicotine-Free Pouch Categories

Miami's TUCK launched nicotine-free, tobacco-free pouches across 10 categories, from Energy and Sleep to Hydration and a flavor-only Tuck Zero, at $4.99 to $9.99 a puck. It sells on tuckpouches.com and TikTok Shop, with Amazon and Walmart Marketplace coming this fall (BevNET).

2. Kooshy Sourdough Stuffing Goes Enterprise-Wide at Kroger

Just in time for Thanksgiving, Kooshy's sourdough stuffing is hitting the full Kroger family of stores nationwide, including Ralphs, Fred Meyer, King Soopers, Fry's and Smith's. Co-founder Matt Wachsman: "We're freaking out here at Kooshy HQ!!!!" (Matt Wachsman on LinkedIn, kooshy.com).

3. Course Record Drops Eagleberry, "Golf's Forbidden Fruit"

Course Record's first new flavor since 2024 went from idea to launch in 3.5 months: a blackberry, huckleberry and green apple limited-time drop with no plans to make it again (Luc Bohunicky on LinkedIn, drinkcourserecord.com).

4. Chlorophyll Water Lands Two Global Award Shortlists

Chlorophyll Water is shortlisted for Best New Water Concept and Best Functional Water at the 2026 Global Water Drinks Awards, with winners announced November 4. It was the first bottled water in America to earn Clean Label Project Certification (BevNET, chlorophyllwater.com).

5. Crafty Ramen Hits Target and Kroger Freezer Aisles

Canadian frozen ramen brand Crafty Ramen is now national at Target and Kroger, with five varieties like Brisket Birria and Spicy Chicken Tantanmen at $7.99 each. That puts it in nearly 6,400 North American doors (Nosh).

Before You Go

A Startup Says It Turned Mercury Into Real Gold

Marathon Fusion

San Francisco's Marathon Fusion says it made stable gold from mercury using fusion neutrons, at 10x the record CERN set in 2025. For scale, CERN's record was 29 picograms over four years, "so nobody's pouring bars yet" (Evan Luthra on X).

The Partner Corral

POSTSCRIPT
The SMS partner focused on one thing: making SMS your biggest revenue channel. postscript.io

TIE
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NORTHBEAM
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RICHPANEL
AI helpdesk that automates 70–80% of tickets. Ridge cut cost per ticket by 70%. richpanel.com

PROPPEL
Recruiting for ecom brands, paid on performance. Mention Ecomm Cowboy for 10% off. weareproppel.com

TRENDTRACK
See every ad, email, and newsletter your competitors run, refreshed every 24 hours. trendtrack.io

OUTERSIGNAL
Find the VIPs hiding in your customer list. Mention Ecomm Cowboy for a free persona report. outersignal.com

UNIVERSAL ADS
Performance TV for DTC. Code UACOWBOY gets $1,500 in matched ad credits. universalads.com

ROKT AFTERSELL
Post-purchase upsells and premium offers that add profit to every order. aftersell.com/offers

INTELLIGEMS
Free AI-powered audit that gives you three ideas you can test today. intelligems.io/audit

See you at noon. The Ecomm Cowboy Show, weekdays 12PM CT