This page may contain stale information. Last updated: 2026-06-12
Definition
Core systems enabling money movement between consumers, merchants, banks, and fintechs — evolving toward 24/7 on-chain rails and AI-agent payment layers.
Key Points
- Card networks: visa Intelligent Commerce (Agent Score, Agentic Directory, Large Transaction Model) + openai integration; mastercard stablecoin settlement
- HTTP payment protocol: x402 — HTTP 402 stablecoin micropayments for APIs and agent services
- MCP connectivity:
@coinbase/payments-mcp, Robinhood Trading/Banking MCP servers - Stablecoin settlement: Visa ~$7B annualized run rate (March 2026); programmable bank deposits
- Open banking: UK commercial variable recurring payments (uk-payments-initiative)
Agentic Layer (June 2026)
Three parallel stacks emerged within one week:
- Card/tokenized: Visa-OpenAI with spending limits and fraud AI
- Crypto/M2M: Coinbase x402 with isolated agent portfolios
- Brokerage: Robinhood MCP agent accounts
Related
- agentic-ai-payments
- agentic-commerce
- stablecoin
- x402
- model-context-protocol
- visa
- coinbase
- tokenization