<\/p>\n
An AI assistant that orders your groceries and renews subscriptions on its own might hit the market soon.<\/p>\n
Visa (V) and Mastercard (MA) want to make sure that payment still runs through their networks when that happens.<\/p>\n
This week, the two card giants said they are working with global fintech Ant International to build a shared way to identify and trust AI shopping agents.<\/p>\n
For anyone holding the two stocks or considering them, this plan gives a hint on how both companies could grow in the future.<\/p>\n
It also raises a fair question. If software does your spending, who makes sure it spends wisely?<\/p>\n
What Visa and Mastercard actually agreed to build with Ant<\/p>\n
On September 10, Visa, Mastercard, and Ant International said they would develop a shared Know Your Agent (KYA) framework, according to a joint press release.<\/p>\n
A KYA framework is a system that checks whether an AI agent is trusted and authorized before it checks out.<\/p>\n
Each firm already has its own version. <\/p>\n
Visa runs Trusted Agent Protocol, Mastercard uses Verifiable Intent, and Ant built Agentic Mobile Protocol. <\/p>\n
The aim of the collaboration is to let an agent cleared on one network get recognized across the others.<\/p>\n
More AI Stocks:<\/p>\n
Morgan Stanley resets Snowflake stock price target<\/p>\n
Mizuho resets Intel stock price target<\/p>\n
Goldman Sachs lifts Dell stock price target<\/p>\n
The companies cited McKinsey research that AI agents could handle $3 trillion to $5 trillion of global consumer commerce by 2030, CNBC reported.<\/p>\n
Ant’s chief innovation officer, Jiang-Ming Yang, said interoperable trust between card and wallet networks is “critical” for agentic commerce.<\/p>\n
Each network keeps its own approval process, and the companies set no timeline and named no merchant pilots.<\/p>\n
Visa and Mastercard are building shared rules so AI agents can check out on a shopper’s behalf.<\/p>\n
jbk_photography \/ Getty Images<\/p>\n
How Visa and Mastercard make money from your spending<\/p>\n
Visa and Mastercard run the networks that connect your bank, merchant, and payment. They earn a small fee on the volume that flows through each transaction.<\/p>\n
It’s a model that scales with spending.<\/p>\n
Right now, your available time limits how much you spend. You can only browse and compare items during your free time each day.<\/p>\n
Agents remove that limit. <\/p>\n
When software tracks your needs and buys within the rules you set, the number of transactions could increase.<\/p>\n
Why the deal fits Visa and Mastercard’s security push<\/p>\n
Both networks have spent years building fraud protection and identity verification tools. <\/p>\n
For Visa, that segment now drives much of its growth. <\/p>\n
This new collaboration between the companies fits into that direction.<\/p>\n
Visa agreed in August to buy fraud-detection firm BioCatch for $2.4 billion, which was a move CNBC tied to a rise in AI-powered scams.<\/p>\n
Related: Anthropic-powered AI model sends shocking message to employee<\/p>\n
Mastercard’s value-added services revenue grew 20% year over year in the second quarter, or 18% on a currency-neutral basis, according to its SEC filing. <\/p>\n
Visa’s services have also grown fast, and agent verification could add to both.<\/p>\n
What Ant adds outside the West<\/p>\n
Across much of Asia, digital wallets are more popular, and Ant’s Alipay+ network links dozens of them.<\/p>\n
A shared KYA framework with Ant gives Visa and Mastercard access to markets where physical cards are less popular. <\/p>\n
Where Visa and Mastercard stock stand, and what to watch<\/p>\n
The news has not lifted the shares. <\/p>\n
Visa traded near $367 on September 10, down about 3.3% over five days, while Mastercard sat near $566, down about 4.3%.<\/p>\n
Agents could bypass cards with stablecoins, which is an area Visa and Mastercard also pursue.<\/p>\n
What Visa and Mastercard investors should watch<\/p>\n
Adoption: updates on Mastercard’s Agent Pay and Visa’s Intelligent Commerce pilot programs.<\/p>\n
Earnings: agent-linked volume in upcoming quarterly reports.<\/p>\n
Rules: whether the KYA framework stays open or favors the companies already running the biggest payment networks.<\/p>\n
Both companies remain highly profitable networks with wide reach. <\/p>\n
For now, the framework sets a direction, and the product still has to be built. <\/p>\n
However, the news gives investors an early read on whether Visa and Mastercard can turn AI spending into their next phase of growth.<\/p>\n
Related: Apple’s $54 billion iPhone machine may be about to break its biggest ritual<\/p>\n
#agents #start #spending #money #Visa #Mastercard<\/p>\n","protected":false},"excerpt":{"rendered":"
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