When AI agents spend real money on your behalf, who verifies they’re authorized? Who detects fraud? Who settles the transaction? Payment networks are building the trust layer that makes agentic commerce possible.
Intelligent Commerce integrations and UCP endorser. Building agent authentication—verifying an AI agent is authorized to spend. Tokenization for AI transactions. Fraud detection for agent purchases. Position: infrastructure layer for UCP.
Mastercard
Agent Pay—a dedicated agent-specific product with cryptographically signed mandates. AI-specific payment credentials and agent authorization protocols. First-mover in agent payments. Position: leading agent-specific product.
American Express
UCP endorser focused on premium and high-value transactions. Merchant services integration and B2B agent commerce potential.
Adyen
UCP endorser with enterprise merchant focus. Multi-channel orchestration and global payment routing.
Why Payment Networks Are Critical
Three functions only they can provide: Agent Authentication (verifying spending authorization), Fraud Prevention (detecting anomalous agent behavior), and Settlement Rails (money still flows through existing rails regardless of protocol). No trust = no transactions.
Gennaro is the creator of FourWeekMBA, which reached about four million business people, comprising C-level executives, investors, analysts, product managers, and aspiring digital entrepreneurs in 2022 alone | He is also Director of Sales for a high-tech scaleup in the AI Industry | In 2012, Gennaro earned an International MBA with emphasis on Corporate Finance and Business Strategy.
