Visa Enables AI-Agent Payments and $7B Annualized Stablecoin Settlement
V•Visa partnered with OpenAI to let AI agents initiate and complete payments under user-defined spending limits and merchant restrictions, integrating its global network and tokenization infrastructure. The company also launched Agent Score, an Agentic Directory and a Large Transaction Model, and expanded stablecoin pilots topping $7 billion annualized across multiple blockchains.
1. Partnership With OpenAI
Visa will integrate its global payments network, tokenization and security infrastructure into OpenAI’s ecosystem, enabling AI agents to initiate and complete transactions under user-defined spending limits, merchant restrictions and approval requirements.
2. New AI-Agent Commerce Tools
Visa rolled out Agent Score to assess AI agents’ transaction capabilities on merchant sites, an Agentic Directory to verify participants, and a Large Transaction Model trained on billions of payments to boost fraud detection and reduce false declines.
3. Stablecoin and Programmable Money Initiatives
The company is building a technology layer for banks to convert deposits into programmable digital money and is expanding stablecoin settlement pilots across multiple blockchains, moving an annualized $7 billion and supporting over 160 stablecoin-linked card programs.
4. Implications for Digital Commerce
These moves deepen Visa’s role in next-generation digital commerce by blending AI-driven transactions, tokenized credentials and blockchain settlement, potentially unlocking new revenue streams and reinforcing its global payments leadership.
