The convergence of artificial intelligence and digital payments just got a serious upgrade. Pay3, a stablecoin payments platform built for enterprises, has unveiled its Agentic Payments Platform—a system that lets AI agents autonomously execute, optimize, and settle financial transactions in real time.

The announcement marks a significant step in the evolution of what some analysts are calling AI-native finance: a world where algorithms don’t just recommend financial decisions but carry them out instantly using programmable money.

AI Meets Stablecoins

As enterprises experiment with “agentic AI”—AI systems capable of autonomous decision-making—the missing link has been an equally intelligent payments infrastructure. According to Gartner, one-third of enterprise software will feature agentic AI by 2028. Pay3 is betting that these agents will need a fast, compliant, and programmable way to move funds.

The platform integrates stablecoin payments, intelligent routing, and real-time settlement across major blockchains, enabling autonomous systems to dynamically manage pricing, billing, and treasury operations. In essence, it’s giving AI the financial rails to act on its own decisions—securely and efficiently.

“Stablecoins are building the financial infrastructure of tomorrow,” said Priya Karnik, Co-founder and CEO of Pay3. “At Pay3, we’re at the intersection of two generational technologies—agentic AI and stablecoin payments—making finance smarter, faster, and more accessible than ever.”

Enterprise-Grade Use Cases

Pay3’s infrastructure supports a wide range of stablecoin use cases: cross-border payments, treasury management, on-chain invoicing, and even stablecoin issuance. The company has direct blockchain integrations across leading digital currencies, giving enterprises flexibility without the complexity of managing multiple payment rails.

The approach resonates with enterprise tech leaders navigating the shift to tokenized operations. Sathya Narayanan Nagarajan, Co-founder of Amnic, noted that Pay3’s technology “moves us light years ahead in governance, visibility, and optimization across tokenized financial flows.”

Building Toward AI-Native Commerce

Looking ahead, Pay3 plans to deepen interoperability by leveraging Google’s new A2A (Agent-to-Agent) open protocol, designed to enable autonomous AI agents to transact securely across platforms. This would allow AI systems from different vendors—or even different enterprises—to settle payments directly, with no human intervention.

Behind the scenes, Pay3’s engineering team faced the challenge of integrating multiple blockchains and local payment networks while keeping fraud detection and transaction speed intact. “Our strength lies in optimizing for speed, cost, and reliability,” said Rajiv Thondanoor, Pay3’s Co-founder and Chief Product & Technology Officer. “That’s what makes Pay3 ideal for global AI-driven payments.”

The Bigger Picture

Pay3’s move positions it squarely within a growing fintech race: the automation of finance through AI and digital assets. While traditional payment giants like Visa and Mastercard explore blockchain integrations, Pay3 is aiming higher—toward a future where machines handle money.

If the company’s vision holds, the next evolution of B2B payments could see autonomous software agents negotiating contracts, executing payments, and optimizing liquidity—without a single manual keystroke.