The heart of the new strategy is a set of API interfaces, which give “cards” to AI payments themselves. After the toketenization of the Visa number, the agent gains a separate payment identity with limits and rules set by the card holder. Visa argues that it is the lack of such a safe mechanism that today suspends the development of trade based on AI agents. That is why she allowed Anthropic, Opeli, Microsoft, Mistral Ai, Perplexity, Samsung and Stripe to cooperate.
At the same time, a partnership with Bridge (Stripe) was announced, which allows fintechs to be issued in Argentina, Colombia, Mexico, Peru, Chile and Ecuador, cards settled in USDC or EURC – are stableleins that are to be automatically converted at every point of Visa acceptance.
A European -American pilot was also announced, under which clarna will provide the FLEX Credential card in the USA, and in Europe introduce the debit installment of BNPP.
Visa aims at the huge market
Boston Consulting Group estimates that The AI agent segment will grow by 45 percent. annually by 2030.which explains why in the same week PayPal and Mastercard boasted twin sets of tokens with AI support.
In the giant's claim that the Visa network may remain a dominant goal in this game, the number helps: the company says that its machine -based anti -french engines have blocked around $ 40 billion. attempts to fraud only last year.
However, politics and regulations cool down enthusiasm. In Washington, work on the Genius Act was suddenly fucked up: nine senators -democrats withdrew support, indicating the gaps and the risk of systemic threat. On the other side of the Atlantic on June 30, 2024, the restrictions on Stablecoin entered into force, and from December a full regulation package is in force throughout the EU, which is already prompted some exchanges to withdraw tokens not meeting reserve criteria.
If the American project gets stuck and the European requirements prove to be too expensive, stablelein -based cards may remain an exotic curiosity on several markets.
Consumers are still not convinced
Consumer trust is also a challenge. This is also not in advance. The Omnisend survey showed that only a third of Americans would be ready to allow AI to finalize shopping without approval, while most prefer to check the size, color and price of products.
Among IT decision makers, enthusiasm is higher – four in five believe that AI agents perform tasks no worse than people – but as the main barrier they indicate privacy and integration with the existing back -office system.
Added to this are purely technical issues. According to Radware, in the Christmas season of 2024, bots – including those powered by AI – were already responsible for 57 percent. traffic on e -commerce pages. More and more often they impersonate legal userswhich forces stores to aggressively filter automated demands.
From Visa's perspective, everything that resembles a bot may end up rejecting the transaction before reaching the Visanet network. At the level of the agent's application himself, the biggest risk is today the so -called Prompt Injection – the first item in the OWASP TOP 10 ranking for LLM, enabling the takeover of control over the model and potentially over the customer's funds.
The future of trade today? Not necessarily
As a result The image of the future of trade drawn by Visa is only partially ready to implement. Technologically, the company has all the blocks: global tokenization, antiphraudal engines and a data warehouse that can be fed AI agents. However, mass adoption depends on whether the regulators agree to the global stablelein, whether sellers and banks will find out to transfer controls to programs, and finally – whether the user decides that profit from one or two clicks less prevails over the risk of an algorithm error.
If at least one of these variables falls out of the equation – whether through a legislative delay, a data scandal, or a wave of frauds based on Prompt Injection – a spectacular Product DROP It may remain more a vision presentation than a description of the nearby purchasing everyday life.
