Explore the shift to agentic payments where AI agents act as economic actors, managing wallets and executing financial transactions beyond human authorization.

We’re entering an era where AI agents are becoming economic actors in their own right, moving from a world where a human must click 'buy' to one where software executes transactions through autonomous wallets and scoped mandates.
Agentic payments. How does it work. Who are the winners. What are the show stoppers. What might catalyze the market and what might the category leader look like?







Agentic payments represent a paradigm shift where AI agents move beyond simple reminders to executing financial transactions on behalf of a user. Instead of a human clicking buy, these AI agents act as economic actors with their own wallets and spending limits. They can navigate complex tasks, such as finding and booking a flight within a specific budget, by directly interacting with payment rails and authorized funds to complete the purchase autonomously.
AI agents become economic actors by holding their own wallets and operating within predefined spending limits to execute transactions. While traditional payment systems like Visa and Mastercard were designed for human authorization, the new infrastructure for agentic payments allows AI to manage automated transactions independently. This transition marks a move from simple digital delegation to a world where AI can independently navigate the economy and handle real-world financial responsibilities.
The market for AI-driven transactions is currently in its infancy, with approximately twenty-four million dollars in on-chain volume. Although this figure is relatively small today, the infrastructure being developed by major players assumes this gap will close rapidly. Much like the early days of the internet, the foundation is being laid for a massive expansion in how agentic payments and AI wallets will handle volume as these autonomous systems become more integrated into daily commerce.
For decades, the internet and financial networks like Visa or Mastercard have operated on the fundamental rule that a human must authorize every transaction. The rise of agentic payments breaks this assumption by introducing AI agents that can execute payments without a human clicking a button. This shift requires a total rethink of security protocols and fraud checks, as the financial industry adapts to a world where AI agents are the primary entities initiating transactions.
Creato da alumni della Columbia University a San Francisco
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