Visa has introduced new artificial intelligence, stablecoin and token products at its Payments Forum, expanding its work in automated commerce and digital settlement.
The announcements include tools for merchants and banks, fraud modelling, token updates and broader use of stablecoins in settlement and card programmes. They also include a partnership with OpenAI focused on Visa payments in agentic commerce, where software agents act on behalf of users.
Jack Forestell, Chief Product & Strategy Officer at Visa, outlined the company's view of how artificial intelligence and blockchain-based money movement are changing payments at both the customer-facing and infrastructure levels.
"AI is transforming the front end of commerce. Stablecoins are reshaping the back end," said Jack Forestell, Chief Product & Strategy Officer at Visa.
Among the AI-related products is Agent Score, developed with New Generation, to help merchants assess whether their websites are ready for software agents to navigate and complete tasks. Visa also introduced an Agentic Directory, a registry of merchants and agents it has verified as legitimate participants in agentic commerce.
The products address a practical issue for merchants and payment providers as companies explore AI-led purchasing. If software agents are to browse websites, place orders and complete payments, merchants need a way to identify trusted agents and assess whether their systems can support those interactions.
Visa also outlined a new Large Transaction Model trained on billions of transactions. It is designed to improve fraud detection while enhancing authorisation performance and reducing false declines, a balance that has long been difficult to achieve in card payments.
Another part of the announcement focused on tokenised payments. Visa is adding more contextual data to payment tokens, including information on transaction type, where the token is used and who is making the payment.
It is also adding a token assurance signal to evaluate token use across its lifecycle. Using provisioning and behavioural history, the signal generates a trust score for each transaction that can support authorisation decisions by issuers.
OpenAI tie-up
The partnership with OpenAI is one of the more notable commercial elements of the announcement. It will bring Visa payments into agentic commerce across OpenAI, using the card network's credentialing and security systems.
Visa also showed an early command-line proof of concept from its Crypto Labs and developer teams. The demonstration allows AI agents to pay for digital services directly at a terminal using tokenised Visa credentials.
"We believe a growing share of creation and transactions will be led by developers using AI tools," said Forestell. "We are working with the industry to make cards the best way to pay in the Command Line."
Stablecoin push
On the settlement side, Visa is broadening stablecoin settlement pilots across regions, blockchains and currencies. It has moved billions of dollars in stablecoins across VisaNet and reported an annualised run rate of about USD $7 billion as of March 2026.
Issuing banks already settle on-chain with Visa seven days a week, according to the company. Visa is now working to extend seven-day settlement to acquirers as well, widening the model across more of the payments chain.
Another development is a technology layer for tokenised deposits. Visa said this would allow banks to convert traditional deposits into programmable digital money while keeping funds on the balance sheet, giving lenders a way to offer some of the flexibility associated with stablecoins without moving customer balances outside the banking system.
Visa also continues to expand stablecoin-linked card programmes, allowing consumers and businesses to spend stablecoin balances anywhere Visa is accepted. More than 160 such programmes are live or in development globally, it said.
Modernisation model
Alongside the new products, Visa argued that many clients want to update payments and banking systems without replacing core infrastructure outright. Its answer is a set of modular systems that can sit alongside existing technology.
For issuers, Visa pointed to the Pismo core banking platform, which it said supports real-time banking and processing with a phased route away from older systems. For merchants and acquirers, it highlighted Unified Checkout as a single orchestration layer for card and non-card payments.
It also cited Visa Intelligent Authorisation, which uses network signals and advanced models to help acquirers and merchants improve approval rates and recover spending that might otherwise be lost to declined transactions.
The broader message is that AI-driven commerce and programmable money are moving from experimentation towards commercial deployment, but trust, identity checks and operational compatibility remain key barriers to wider adoption.
"History is filled with innovations that never reached scale," said Forestell. "What determines success is trust, security and global reach. That's what Visa brings to every new era of commerce - and what we're building for the future."