Reporter Joey Pizzolato is a reporter at American Banker, covering all things payments, including stablecoins, agentic AI, buy now, pay later and earned wage. net revenue increased 15% year over year for its fiscal 2026, compared with 9% in its fiscal 2025.
AI-native finance
Agent permissions, delegated financial actions, MCP, audit controls, policy enforcement, and machine payments.
Learn about the innovative B2B agentic payment approach that simplifies supplier payments using AI technology to boost efficiency. The first live B2B agentic transaction in Greater China shows how AI agents are beginning to move from administrative tools into operational roles.
As agentic commerce takes off in financial services, the card company says that its closed loop model, which includes direct relationships with merchants and consumers, can help it monitor an entire transaction to battle fraud."With agentic commerce, it is fraught with not only fraud but also hallucinations," Squeri said, noting Amex insures AI-powered payments. "We have the data from both sides.
“We are proud to welcome Hang Seng Bank as the first Hong Kong bank to join our network — a testament to the rapid integration of banking apps into the global payment ecosystem.” Ant International announced Monday (July 20) that it raised $1.2 billion in new funding to improve on its cross-border payments and agentic commerce offerings.
By contrast, stablecoin-native payments may require merchants to adopt new protocols, accept new assets and decide what to do with those assets after settlement. To bridge that gap, Lithic issues cards backed by stablecoin accounts, allowing a stablecoin funding source behind a familiar card credential and removing that barrier for merchants entirely.
In July 2025, Bitwave and BVNK partnered to help enterprise finance teams send and receive stablecoin invoice payments. This collaboration integrated BVNK’s embedded stablecoin wallets and Bitwave’s SOC-compliant tax, accounting and compliance platform.
Reporter Joey Pizzolato is a reporter at American Banker, covering all things payments, including stablecoins, agentic AI, buy now, pay later and earned wage. At the end of 2025, net losses were 7.7%.
This means a business can now let an agent pay in USDC, with no extra setup, powered by Coinbase Payments, according to a press release on Thursday.Sid Coelho-Prabhu, Head of Coinbase Business, said any shopping scenario has two sides: a shopper armed with a credit card and bank account goes into a store where a merchant has a point of sale system and bank account, and the two shake hands at the checkout.“We are delivering that experience for the new online agentic economy,” Coelho-Prabhu said in an interview.
ESW has introduced ESW Agentic Commerce, linking AI-driven product discovery to checkout, with Microsoft Copilot as its first integration.
Agentic payments leveraging stablecoins: BVNK’s Co-Founder Chris Harmse told us that he is looking forward to seeing how stablecoins and agentic payments come together in the coming year. “Issuing an agent a [stablecoin] wallet is a great way to programme permissioned access to that wallet and allow that agent to spend and interact in the payment ecosystem,” he says.
A closer examination of transaction-level records uncovered foreign exchange spreads that averaged about 2%, creating millions of dollars in lost revenue across roughly $100 million in cross-border payments volume. “If you apply that to $100 million of cross-border payments being processed, that could be $2 million a year that’s lost,” Catterall said.
Connected AI systems can recognize that the payment has broken an established pattern, assess its impact on a cash forecast and alert the appropriate employee before the missed payment becomes a collections problem. “If you can detect in real time that a payment has not arrived when it typically does, you can react and have a more meaningful conversation before it becomes a problem,” Landy said.
Together, these moves could enable Stripe to expand into other areas such as enabling machine-to-machine payments and other micropayments involving AI agents, per the report. PYMNTS reported July 15 that a Stripe/PayPal deal would combine Stripe’s software that merchants deploy with PayPal’s payment credentials that consumers already use.
Traditional payment networks become expensive when fees cost more than the transaction itself.That's where Kaul believes blockchains come in.She argued public blockchain networks are better suited to machine-to-machine payments because they offer programmable transactions, cryptographic identity and near-instant settlement.
MNEE Pay, a stablecoin payment platform found that 62% of U.S. stablecoin holders have converted their holdings back to dollars at least once because merchants wouldn’t accept them.
AtData's Diarmuid Thoma discusses email intelligence, fraud prevention, and agentic commerce in this Executive Conversations episode.
"While there may not be a direct FIFA tie-in for stablecoins, what we don't know is if vendors are using stablecoins on the back end for international payments," Majeske said. "Banks and payment companies have to be prepared for that." Executive Editor, Payments John Adams is executive editor of payments for American Banker.
Stablecoins have been on payments companies’ radar screens for years, but only recently has the digi The latest example of this emerged early Tuesday with an announcement from Mesh, a San Francisco-based crypto payments network, that it will work with Bitget Wallet to make Bitget simpler to use.
The firm, freshly valued at $1 billion, aims to replace legacy correspondent banking with always-on infrastructure that connects traditional payment systems and stablecoins.
Global payments and FinTech firm Ant International has raised $1.2 billion in new funding to improve on its cross-border payments. This Series A equity financing will allow Ant to improve on its cross-border payments and agentic commerce offerings, the company said in a Monday (July 20) news release.
PSE Consulting asked consumers how they actually feel about agentic commerce. Chris Jones explains what the answers mean for merchants, PSPs, and discovery.
and Canada.Forward look: Point of sale digital wallet payments are forecast to grow at an 11% compound annual growth rate at the point of sale from 2025 to 2030, according to the 2026 Worldpay Global Payments report. Samsung Electronics is adding a credit card to the menu of products within its digital wallet.
“It just feels obvious that agentic payments are going to be structurally the most important problem [in the] space.” Lalji teamed up with Eric Wang, his co-founder at Ivella, and Walt Leung, a former engineering manager at Nextdoor, and founded Natural in 2025. The startup positions itself as an agent orchestration layer that enables AI agents to move and store funds.
A-Comm Technologies Inc. said its draft A-Comm Evidence Protocol for agentic commerce is available for public comment through Aug.
(a-comm.ai) announced July 13, 2026 that the draft A-Comm Evidence Protocol (AEP) is open for public comment through August 14, 2026.Trustworthy agentic commerce needs three things human checkout never had to provide: observability into what an agent did and why, traceability from a consumer's intent to settlement, and auditability that any party can rely on in a dispute. The AEP delivers all three.
Thredd joined Visa's Agentic Ready programme so issuers can support AI-agent-initiated purchases without rebuilding their card stack, starting with Zilch. The model combines tokenised credentials, user controls, passkeys or biometrics, and fraud monitoring for delegated payments.
Payouts.com launched role-based Digital Employee AI agents for accounts payable, collections, treasury, reconciliation, and financial close. The agents can process invoices, match purchase orders, run KYC or KYB checks, and escalate exceptions to human staff rather than replace oversight.
HSBC joined the Emerging Payments Association Asia's agentic-payments working group as a founding member. The group will work on authentication, liability, fraud, disputes, and cross-border standards as APAC agentic commerce grows and AI agents begin initiating more payment activity.
An AI agent can hold a valid identity, delegation, and payment credential yet still make an economically wrong payment. The author proposes an additional 'Action Acceptance' check at the final reversible moment to confirm that the amount, counterparty, timing, and outcome remain within the user's real intent.
In a sponsored video description, Otoma's Peter Reynolds says AI can improve forecasting and infrastructure operations and that newer tooling can build a payment hub much faster. Because no public transcript was provided, only the written description—not the complete spoken content—was verified.
PayPal's board of directors is reportedly unimpressed with Stripe and Advent International's $53 billion acquisition offer. Analysts had speculated that the offer may be low, despite the fact that it came in at a 30% premium compared with other merchant processors.
It also plans to expand x402 beyond its current capabilities by supporting multiple payment methods, including cards and stablecoins. As AI agents become increasingly capable of making autonomous payments, companies across technology and payments industries have raced to build the infrastructure to support them.
Stablecoins are moving from the margins of crypto markets into the plumbing of global payments. Visa is betting that the next phase of adoption will not come from consumers holding digital dollars, but from banks, fintechs, and businesses using them behind the scenes.
Companies looking for a faster way to accept payments in fiat currencies but settle in stablecoins m Under the arrangement, merchants can accept dollars or other fiat currencies through accounts offered by Bridge, then settle in stablecoins on XDC Tech in what the latter company says is “near real time.” The arrangement’s speed in part arises from bypassing correspondent banks and multi-day clearing, says XDC Tech, which is based in Singapore and maintains an office in New York City.
The newly-convened x402 Foundation is a neutral space where competitors and payment methods can work together to create an open standard for AI agentic commerce.
INETCO's new BullzAI Investigate module uses agentic AI to triage payment fraud alerts while keeping analysts and data on-premise.
Global Digital Shopping Index: The Agentic Commerce Deep Dive - A PYMNTS Intelligence and Visa Acceptance Solutions collaboration. 48% of Online Shoppers Now Use AI Before Buying PYMNTS Intelligence and Visa Acceptance Solutions surveyed 5,241 consumers, 1,185 merchants and 150 acquirers across the U.S., Brazil and the UAE. The data shows AI agents are already changing how people shop, but trust at checkout remains the real hurdle.
Cyclops raised $20 million in a Series A funding round to accelerate the development of its stablecoin rails for the payments industry.
Stripe and Advent International have reportedly offered to buy the payments firm PayPal for $60.50 per share, or $53 billion, a valuation that some think might be viewed as a "low-ball" offer.
Forty companies now govern x402, the protocol Coinbase built and handed away. It settled about $24 million across 75 million payments last month.