Commerce & Finance · Recorded milestone

Delegated payment accounts for AI agents

Recorded year2025

In 2025, payment-network tools let agents use consumer-authorised credentials and spending controls; the human or business account holder retains responsibility.

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Built on

Smart contractsRecorded · 2015enables
AI shopping agentsRecorded · 2025enables
Identity and permissions for AI agentsRecorded · 2025enables

Led to

Insured delegated-agent commerceForecast · ~2029enables
First company run by agent swarmForecast · ~2030enables

Sources & evidence

Visa: payment controls for AI commerce 2025-09-04
Visa describes delegated payment credentials, controls and post-purchase support for agents acting for consumers, not independent AI legal personhood.

Record reviewed 2026-10-18