# The Dynamic Verifiable Multi-Agent Human Agentic Loyalty Loop (DVM-HALL) Model and the Net Human-Agent Score (NHAS) in Autonomous Commerce

arXiv: https://arxiv.org/abs/2607.13998 · HTML: https://mlsanity.com/paper/2607.13998/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Placed in Social simulation and multi-agent debate, one of 16 directions in LLM agents and tool use.
- Builds on 3 of its 70 references that are in the map.
- First posted on arXiv 15 Jul 2026.

## Placed in

- LLM agents and tool use / [Social simulation and multi-agent debate](https://mlsanity.com/agents/social-simulation-and-multi-agent-debate/)

## Builds on (most cited first, 3 of 3)

- [Human-Artificial Interaction in the Age of Agentic AI: A System-Theoretical Approach](https://mlsanity.com/paper/2502.14000/) (2025)
- [Human-AI Governance (HAIG): A Trust-Utility Approach](https://mlsanity.com/paper/2505.01651/) (2025)
- [Caring Without Feeling: Affective Dynamics as the Control Layer of Human-AI Agent Collaboration](https://mlsanity.com/paper/2606.18259/) (2026)

## Abstract (arXiv)

The rapid proliferation of Agentic Artificial Intelligence fundamentally disrupts traditional customer loyalty paradigms. As AI evolves from passive recommendation algorithms to autonomous, goal-directed agents capable of executing purchasing decisions, the conventional understanding of consumer-brand relationships requires a structural reevaluation. By synthesizing extant literature across human-machine teaming, consumer decision-making, and algorithmic trust dynamics, we demonstrate that traditional loyalty models fail to account for algorithmic bounded rationality and constructed autonomy. To address this, we introduce the Dynamic Verifiable Multi-Agent Human Agentic Loyalty Loop (DVM-HALL) model. We formalize brand choice via a softmax probability formulation where human emotional equity, agentic machine-experience utility, calibrated trust, delegated authority, and verifiable execution jointly determine selection. The model features recursive updating mechanisms to dynamically calibrate trust and delegation after each interaction. Crucially, the framework integrates a verifiable execution layer for Decentralized Finance (DeFi) and tokenized loyalty settings, incorporating execution risks -- such as gas costs, slippage, MEV exposure, and smart-contract vulnerabilities -- as core predictors of agentic brand preference. Furthermore, we introduce the Net Human-Agent Score (NHAS), an auditable, risk-weighted metric designed to measure human-agent alignment using human feedback, execution logs, benchmark comparisons, and verifiable receipts. Finally, we propose a comprehensive three-stage empirical validation plan spanning controlled shopping experiments, multi-agent market simulations, and DeFi testbeds. This framework provides the foundational theory required for brands to navigate the impending transition toward machine customers.