# Build and pay without lifting a finger.

Imagine a time when your agent recommends, authenticates, and pays, all in a single flow. No human in the middle. Yes, AI agents can now research, decide, and act.

## The payment infrastructure the agentic economy was waiting for: Agentic Commerce

Visa Intelligent Commerce (VIC) is the global standard for agentic payments, enabling AI agents to transact on behalf of individuals and businesses.

Reap is proud to be a licensed issuer and partner that makes it deployable: programmable credentials, agent-specific spend controls, and stablecoin-native settlement in one stack.

- **Licensed infrastructure:** Regulated Visa-network rails across key markets
- **Built for autonomous spend:** Credentials and controls built for machines, not people
- **Stablecoin-native settlement:** USDC. No conversion delays, no FX friction
- **Issuer status:** Licensed, VIC Partner
- **Settlement:** USDC-native, no FX
- **Authentication:** Passkey - Agentic scopes
- **Availability:** Global - 42 markets

## Three reasons we get the call.

Other issuers bolt agent support onto legacy card processing. Reap was built on modern infrastructure from day one, then earned the licenses to plug into the regulated rails. That order matters.

- **Infrastructure designed for agents, not adapted for them**
- **Agents that complete, not just recommend**
- **Compliance built into the infrastructure**

## Built for teams advancing the next wave of commerce.

- [AI agent builders](https://reap.global/products/agentic-payments#)
- [Enterprise B2B platforms](https://reap.global/products/agentic-payments#)
- [Web3-native teams](https://reap.global/products/agentic-payments#)

### AI agent builders

You're building agents that book travel, manage infra, negotiate deals. They need money primitives — not a screen-scraping hack around a human's credit card.

**Pain point:** Agents stop at "recommend", the payment handoff breaks the flow.

**How we help:** Programmable Visa credentials for agentic AI payments, end-to-end.

### Enterprise B2B platforms

Your platform routes spend through expense reports, virtual cards issued weekly, and a finance team approving at 5pm. Replace all of it with credentials an agent can request and release programmatically.

**Pain point:** Procurement and supplier payments are still manual today.

**How we help:** Agent-initiated flows within pre-approved spend controls.

### Web3-native teams

Your ops budget lives on-chain. Fiat conversion is the tax you pay to buy SaaS and AWS. With VIC, top up in USDC and transact against merchants globally — no fiat on-ramp in the middle.

**Pain point:** Off-chain payments force a detour into fiat.

**How we help:** USDC-native settlement means no bridging, no conversion overhead.

## The feature set, unpacked.

Seven primitives. Five live in production today; two ship this year. Every item is available via API — no dashboard-only features, no "contact sales for activation."

- **Agent-Specific Tokenized Credentials**
- **Programmable Spend Controls**
- **Passkey Authentication**
- **Real-Time Network Authorization**
- **Commerce Signal Logging**

**Commerce Signal Logging:** Full audit trail per transaction — built in from day one.

## Six steps from intent to settlement.

From your agent saying "buy this" to Reap settling on-chain — runs in under four seconds on a cold path.

1. **Agent initiates intent** - Your agent decides to buy — compute, SaaS, flights. It calls Reap asking for a credential.
2. **Reap scopes & issues** - Scoped by merchant, amount, TTL. A Visa-backed tokenized credential is minted in ~120ms.
3. **Passkey binds auth** - The credential is bound to a passkey held by the agent. No OTP, no phone tap, no human.
4. **Agent transacts** - Agent presents the credential at checkout. Visa auths, Reap underwrites against Stablecoin collateral.
5. **Merchant receives funds** - Merchant gets standard Visa settlement. From their side, it's a normal card transaction.
6. **Reap settles on-chain** - Reap nets out your collateral against Visa. You see a Stablecoin debit; no bank, no FX, no three-day gap.

## Questions we get often.

- **What is Visa Intelligent Commerce?** - Visa Intelligent Commerce (VIC) is Visa's global framework for enabling AI agents to transact on behalf of users and businesses. It defines the identity, authentication, and authorization standards that let AI agents make payments autonomously — within rules set by the human user. Reap is a licensed VIC issuer and infrastructure partner.

- **What is agentic commerce?** - Agentic commerce is the next evolution of how transactions happen — where AI agents, not humans, initiate and complete purchases autonomously.

- **What are agentic payments?** - Agentic payments are transactions initiated and completed by AI agents on behalf of a user — without requiring manual approval at the point of purchase.

- **Is this a new product or something Reap has been building toward?** - Building toward. Reap's infrastructure has been designed with autonomous operation in mind. VIC is where that becomes an actual product.

- **Do users have to approve every transaction?** - It depends. Users will be able to set their spending limits, MCC through payment instructions. The agent operates autonomously within those bounds.

- **Which agent protocols do you support?** - Trusted Agent Protocol, Machine Payments Protocol (MPP), and Agentic Commerce Protocol (ACP) — via a single integration.

- **How is this different from giving my agent a corporate card?** - A corporate card has no concept of agent identity, spend scope, or programmable controls.

- **What's coming next?** - VIC is the start. Reap's innovation track continues on to programmable treasury, AI-native financial workflows, autonomous cross-border settlement.