AI is revolutionising the checkout experience, making it almost obsolete. Here are four models of agentic payments that are changing how we transact. From AI agents performing checkouts with human input to those with their own stablecoin wallets, the future of payments is agent-centric, more programmable and less visible to the end-user. Is your business ready for the shift?

There are four agentic payment models:

  • Model 1: Human-in-the-Loop. The AI agent assists with online tasks but requires manual card information entry at the checkout page.
  • Model 2: Stored Credentials. The AI agent uses pre-populated card details that are securely stored, needing user approval before payment.
  • Model 3: Virtual Card. The AI agent is given a virtual card with a budget and spending controls to make autonomous payments.
  • Model 4: Stablecoin Wallet. The AI agent has its own wallet with cryptocurrency to conduct transactions independently, enabling seamless payments.

Thank you to Fintech Brainfood for inspiration https://www.fintechbrainfood.com/p/four-models-agentic-payments

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