- Agent Cards is a virtual Visa product that lets AI agents spend funds autonomously without human-approval gaps.
- The cards are funded directly with USDT and include strict controls like merchant category limits and transaction caps to prevent misuse.
- Agent Cards support use cases like subscription payments, vendor payouts, automated expense tracking, and even conditional purchases.
Oobit, a crypto payments platform backed by stablecoin giant Tether, has unveiled Agent Cards, a virtual Visa product that grants AI agents direct, programmable spending authority without requiring human sign-off on individual transactions or exposing corporate card credentials to automated systems.
The launch comes as more businesses deploy AI agents to run core operational workflows, from marketing automation and cloud procurement to software-as-a-service (SaaS) management and advertising, among others.
According to McKinsey’s State of AI 2025 survey, 23% of organizations are already scaling agentic systems within their operations, with a further 39% in the experimental phase.
However, payments have remained a persistent bottleneck, as companies cannot just hand over their corporate cards to agents, and routing every charge through a human approver undermines the efficiency that automation is supposed to deliver.
As adoption of agentic AI continues to pick up, so too does the urgency of solving the payments problem, and the Oobit Agent Card enters as a timely intervention.
How does Oobit propose to solve the AI payments problem?
Agent Cards allows businesses to issue a dedicated virtual Visa card for each AI agent, funded directly from a USDT stablecoin treasury with no fiat conversion required.
Companies can configure the spend policies at the point of setup and enforce them server-side, meaning an agent cannot override or circumvent them regardless of the instructions it receives.
The agent cards are based on three control mechanisms.
- The first one is that each agent receives its own card, ensuring that there is no shared card exposure across teams and also allowing for a clean identity and audit trail.
- The second mechanism is the category-level spend control, which ensures that each agent can only transact with merchant categories relevant to its designated function.
- The third mechanism is the hard transaction cap, which is applied per transaction and per merchant and is enforced server-side with no override path available.
Every transaction, whether approved or declined, is logged in real time alongside a human-readable explanation. This eliminates the pending states and manual reconciliation queues that will slow down finance teams managing automated operations.
What can businesses actually do with Agent Cards?
Oobit has designed the initial launch around two core integration use cases.
- The first is payments processing, enabling AI agents to manage subscription billing or vendor payouts through Stripe and similar platforms.
- The second is automated expense reporting, giving finance teams a complete, structured log of spending across all active agents without manual data entry.
Beyond these foundations, the product supports a range of practical applications, such as buying stocks or digital assets within set thresholds, booking travel within approved budgets, or completing purchases in real time when specific price conditions are met.
Businesses can activate Agent Cards through a five-step setup wizard that, according to the company, brings a card live in under three minutes.
Oobit’s infrastructure is its proof-of-concept
Oobit is not launching into an untested infrastructure as the company already operates across 150 million merchants in more than 100 countries, and is backed by Tether, the world’s largest stablecoin issuer with more than $140 billion in circulation.
That pedigree lends credibility to what is, according to the company, the only agent card product purpose-built for businesses whose treasuries are held in stablecoins.
In a statement, Amram Adar, CEO of Oobit, said, “The honest take is that the online world isn’t ready for AI agents to complete complex tasks and pay on behalf of a business or person.”
He added, “Agent Cards is the first move toward giving autonomous financial operations real autonomy, without losing control.”
The product is immediately available to crypto-native businesses running AI agents with stablecoin treasuries, as well as AI-forward companies evaluating stablecoin payments in their financial setup.
