Tokenization is the process of converting real-world assets or rights into digital tokens stored on a computer network. This allows assets, such as property or investments, to be divided into smaller parts, making them easier to buy, sell, or transfer electronically. For investors, tokenization can increase access to a wider range of investments and make transactions faster and more efficient.
token vaulttechnical
A token vault is a secure storage mechanism for digital tokens or cryptocurrencies that holds assets under controlled rules — often through software, smart contracts, or a custodian. Like a bank safe with time locks and multiple keys, it protects holdings from theft or accidental transfers while controlling how and when tokens can be moved. Investors care because the vault’s security and access rules affect the safety, liquidity, and trustworthiness of the assets they own.
trusted agent protocoltechnical
A trusted agent protocol is a set of rules and safeguards that lets a designated person or automated system act on behalf of others to manage assets, sign documents, or execute transactions. Think of it like giving a trusted friend a locked key with clear instructions and limits; for investors it matters because it defines who can move money or make decisions, reduces the chance of mistakes or fraud, and helps meet legal and regulatory requirements.
machine payments protocoltechnical
A machine payments protocol is a set of rules and technologies that lets devices or software make and receive payments automatically, without a person pressing a button—think of a smart parking meter paying for its own maintenance or a factory robot ordering and paying for replacement parts. Investors care because it can create steady new revenue streams and change how money moves between businesses, increasing demand for payment platforms, connectivity and security while also shifting risk and cost structures.
agentic commerce protocoltechnical
A set of technical rules and standards that lets autonomous software agents—think shopping robots or digital assistants—negotiate, pay for, and manage purchases across different online platforms without direct human input. Investors should care because it can automate routine commerce, create new revenue channels and efficiency gains for businesses, and change cost structures and risk profiles (fraud, security, and regulatory exposure) in companies that adopt or enable the system.
universal commerce protocoltechnical
A universal commerce protocol is a common technical and business rule set that lets different online stores, payment systems, marketplaces and apps talk to each other and complete transactions the same way. Think of it like a universal charger plug for buying and selling: it reduces friction, lowers costs and speeds up adoption by allowing merchants and platforms to connect without custom engineering. Investors watch it because broad adoption can create network effects, capture transaction volume, and change competitive dynamics and revenue streams.
pci complianceregulatory
PCI compliance means following a set of security rules designed to keep credit and debit card information safe when it is stored, processed, or transmitted. For investors, compliance is like a visible lock and alarm on a business’s payment system: it lowers the risk of costly data breaches, fines, and lost customer trust, and it helps ensure the company can reliably accept card payments without interruption.
agentic transactionstechnical
Agentic transactions are deals carried out by one party (the agent) acting on behalf of another (the principal), such as a broker placing trades, a manager buying assets for a fund, or an intermediary executing a contract. They matter to investors because the agent’s incentives, fees and legal responsibilities can shape execution quality, timing and costs—like a hired driver choosing the route and speed for a passenger—which can affect returns and introduce potential conflicts or risks.
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Part of the Visa Intelligent Commerce portfolio, Intelligent Commerce Connect will enable more ways for agents to pay and merchants to accept agentic transactions in a single integration
Currently in pilot with select partners including Aldar, AWS, Diddo, Highnote, Mesh, Payabli, Sumvin, and rolling out to more partners this year
SAN FRANCISCO--(BUSINESS WIRE)--
Visa Inc. (NYSE: V) today unveiled Intelligent Commerce Connect, a new solution that makes it easier for businesses to connect to and participate in AI-powered commerce. Intelligent Commerce Connect acts as a network, protocol, and token vault-agnostic ‘on ramp’ to agentic commerce for agent builders, merchants, and enablers.
As consumers increasingly rely on AI agents to make purchases, businesses – whether they are building agents, selling to them, or processing transactions – need a simple way to get started. Intelligent Commerce Connect, part of the Visa Intelligent Commerce portfolio, meets that need.
Through a single integration via the Visa Acceptance Platform, Intelligent Commerce Connect enables secure payment initiation, tokenization, spend controls, and authentication. The solution integrates both Visa Intelligent Commerce APIs, which are used to process agent purchases using Visa cards, and other networks’ APIs, allowing agents to pay with both Visa and non-Visa cards*. This provides more choice in how agents can pay, making it easier for the entire ecosystem to adopt agentic payments experiences.
“From small businesses to the world’s biggest retailers, Visa powers how people pay every day, millions of times over,” said Andrew Torre, President of Value-Added Services at Visa. “Intelligent Commerce Connect brings that same, trusted payment acceptance infrastructure into the emerging world of AI-driven commerce, so businesses can let AI agents buy on behalf of consumers, securely and at scale.”
Key benefits of Intelligent Commerce Connect:
Works with major token vault providers: Agent platforms can plug into existing credential infrastructure and avoid being locked into a single token vault/vendor.
Seamless acceptance of agent-initiated payments: Enables merchants to accept payments initiated via major agent protocols including: Trusted Agent Protocol, Machine Payments Protocol (MPP), Agentic Commerce Protocol (ACP), and Universal Commerce Protocol (UCP).
Makes merchant catalogs discoverable on AI platforms: Helps merchants make their product inventories and product details (e.g., descriptions, specifications, prices, etc.) accessible so consumers can discover, select, and check out within the AI platform experience.
Supports enablers processing agentic transactions on merchants’ behalf: Visa can handle orchestration and PCI compliance for enablers supporting merchant transactions.
One integration via Visa Acceptance Platform: Available through a single trusted integration on the Visa Acceptance Platform, a modular suite of payments tools that power millions of places where consumers pay – like online or in-app checkouts and marketplaces.
Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement.
