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Visa unveils AI-driven payment suite with stablecoin and tokenization enhancements

At the 2026 Payments Forum, Visa unveiled a comprehensive suite of innovations integrating artificial intelligence, stablecoin settlement, and advanced tokenization. The company announced strategic collaboration with OpenAI to enable secure payments within AI agent ecosystems, while expanding its stablecoin processing capacity to an annualized volume nearing $7 billion as of March 2026.

AI-powered commerce infrastructure expands globally

Visa’s Chief Product and Strategy Officer Jack Forestell emphasized that AI is transforming front-end business interactions, while stablecoins are redefining back-end settlement processes. The company aims to deliver scalable, secure, and globally accessible systems to support these emerging models.

The Visa Smart Commerce Platform now enables AI agents to execute transactions on behalf of users, equipped with tools for control, connectivity, and trust verification. In partnership with New Generation, Visa introduced an AI agent scoring system to assess agent performance in navigating merchant websites and completing tasks successfully.

A verified agent directory has also been launched, enabling merchants to identify trustworthy AI entities and allowing agents to validate legitimate businesses. This ecosystem is further strengthened by Visa’s strategic alliance with OpenAI, aimed at embedding secure Visa payment capabilities into OpenAI’s agent economy.

Tokenization evolves to support intelligent transaction contexts

Visa revealed upgrades to digital tokens designed for AI-driven commerce, enhancing their ability to carry contextual data, usage history, and security attributes. Current payment tokens already include essential cryptographic safeguards for digital transactions.

The new framework will incorporate richer metadata, including transaction type, intended use, and origin source. A novel token trust signal has been introduced, leveraging configuration details and behavioral patterns to evaluate transaction credibility. These signals empower issuers with better decision-making inputs, reducing false declines and improving user experience.

Visa stressed that future commerce demands identity and access credentials capable of flowing seamlessly across devices, channels, and environments. Early proof-of-concept demonstrations from Crypto Labs and developer teams showed AI agents executing digital service payments via terminal interfaces. 'We anticipate increasing creation and transaction volume driven by AI-enabled developers,' Forestell said, adding that Visa aims to ensure card functionality remains effective even in command-line settings.

Stablecoin settlement reaches new scale across multiple chains

Visa outlined progress in building a programmable deposit layer that allows banks to convert traditional deposits into executable digital currencies without exiting their balance sheets. This innovation aligns with the speed of stablecoin settlements while maintaining financial integrity.

Expansion of stablecoin settlement trials spans multiple regions, blockchains, and currencies. VisaNet has processed tens of billions in stablecoin transactions, with annualized processing volume reaching approximately $7 billion by March 2026. Issuing banks now support seven-day-a-week on-chain settlements, and Visa is working to extend this capability to acquiring institutions, boosting network agility and settlement frequency.

Over 160 stablecoin-linked card initiatives are currently live or under development worldwide. For clients modernizing their infrastructure, Visa recommends modular, cloud-native solutions such as Pismo, Unified Checkout, and Visa Smart Authorization. 'History is full of innovations that failed to scale,' Forestell noted. 'Ultimately, success hinges on trust, security, and global reach.'