When an AI agent calls your invoice API, the downstream service must answer one question before anything else: which identity should it see? If every call carries one shared service identity, the downstream system may only know the agent application, not which user initiated the operation or which tenant owns the data 1. That single fact drives everything else here.
A presenter identity is a separate, non-human account that acts for exactly one human user. It has its own credentials, its own lifecycle, and a hard binding to one user id and one tenant id. A shared service account is one credential many users, agents or background jobs reuse. It is simpler to operate, and it hides the actor.
Microsoft's architecture guidance states the risk plainly: a multitenant agent's identity typically has permissions to work across multiple tenants but does not inherently understand tenant context, so boundaries must be enforced in deterministic code, not the identity itself 2. The presenter design pushes that enforcement one step earlier, into the credential, which is the point.
The decision rule: if two people can ever cause the same credential to be used, the credential cannot attribute the action. If attribution is a requirement (and for anything touching customer data it is), you need one identity per acting user.



