lithic AI citations

I'll search for specific examples of AI agents conducting transactions using virtual cards and other payment methods.Let me search for more specific examples and case studies of agents conducting transactions.Based on my research, here are specific examples of AI agents conducting transactions using virtual cards and other payment methods: ## Major Platform Examples ### **Stripe Agent Toolkit** Stripe released its Agent Toolkit, which enables developers to integrate payments flow into their AI agents, allowing agents to search for and autonomously pay for transactions. They do this by issuing single-use virtual cards with a budget set by the user. **Implementation Details:** - Issuing: Create single-use virtual cards for your business purchases. This allows your agents to spend funds. The Issuing APIs allow you to programmatically approve or decline authorizations, ensuring your purchase intent matches the authorization. Spending controls allow you to set budgets - With a simple LLM function call, agents can create single-use virtual cards using Stripe Issuing or send money with Stripe Treasury. Our built-in safeguards ensure security at every step **Source:** [Stripe Agent Documentation](https://docs.stripe.com/agents) ### **Mastercard Agent Pay** Mastercard will work with Microsoft and other leading AI platforms to scale agentic commerce. The platform is designed to handle the growing demand where Agentic AI is expected to handle up to 20% of e-commerce tasks in 2025. **Source:** [Mastercard Agent Pay Launch](https://www.mastercard.com/us/en/news-and-trends/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai.html) ### **Skyfire Agent Checkout** Skyfire's Agent Checkout lets AI agents act like humans — as independent entities with verifiable identities, instead of digital assistants. This enables fully autonomous transactions where agents can shop, sign up for services, and pay independently. **Source:** [PYMNTS Coverage of Skyfire Launch](https://www.pymnts.com/artificial-intelligence-2/2025/skyfire-launches-ai-agent-checkout-to-enable-fully-autonomous-transactions/) ### **Visa Intelligent Commerce** Visa set up Intelligent Commerce as their initiative to empower AI agents to transform the way consumers shop around the world. **Source:** [Visa Intelligent Commerce](https://corporate.visa.com/en/products/intelligent-commerce.html) ## Use Cases and Applications ### **Retail and E-commerce** For example, use Payment Links in chat interfaces or Stripe Issuing to support agent-triggered actions such as returns. Agents are not just a channel—they're a new way to merchandise and personalize. An agent can drive and expedite purchasing intent—surfacing a product, making a purchase decision. ### **Blockchain Integration** Integrating this function allows AI agents to actively participate in transactions, enhancing their autonomy and expanding their role within a broader digital economy. **Source:** [Circle Developer Blog on AI Agents](https://www.circle.com/blog/enabling-ai-agents-with-blockchain) ## Market Trends and Growth The agentic payments market is experiencing rapid growth: - In late 2024 and early 2025, "a surge of launches by startups [aimed] to capitalize on the new AI agent economy" has been evident - In this "agentic" age of commerce, autonomous AI agents are increasingly capable of making purchases, managing finances, and executing transactions on behalf of users without direct human intervention - Stablecoins are gaining traction — transaction volumes have surged, exceeding $450 billion per month in 2024 and reaching $710 billion by March 2025 ## Key Technical Resources **Development Resources:** - [Stripe Agent Toolkit GitHub](https://github.com/stripe/agent-toolkit) - Open source Python and TypeScript libraries - [Stripe Agent Quickstart Guide](https://docs.stripe.com/agents/quickstart) - [Stripe Agent Integration Blog](https://stripe.dev/blog/adding-payments-to-your-agentic-workflows) **Industry Analysis:** - [Fintech Brain Food - Four Models of Agentic Payments](https://www.fintechbrainfood.com/p/four-models-agentic-payments) - [Illuminate Financial - Agentic Payments Analysis](https://medium.com/illuminate-financial/agentic-payments-whats-here-what-s-coming-and-what-s-next-663ccd79bb82) - [Fintech Wrap Up - Deep Dive Analysis](https://www.fintechwrapup.com/p/deep-dive-agentic-ai-in-payments) The trend shows a clear evolution toward autonomous AI agents that can conduct financial transactions independently, with major payment processors building specialized infrastructure to support this emerging commerce model.

Here are some compelling **real-world examples** of AI agents **transacting autonomously**, especially via **virtual cards** or **tokenized payment mechanisms**—each backed with reliable sources: --- ## Notable Examples of Agentic Transactions ### 1. **Virtual Cards Empower Agentic Commerce** AI agents can *request, use, and retire virtual cards* dynamically, allowing autonomous transactions with built-in spending limits and merchant restrictions. After use, these cards are deactivated or reused according to policy—all with full audit trails. ([verygoodsecurity.com][1]) ### 2. **Mastercard Agent Pay** Mastercard’s **Agent Pay** enables AI agents to handle tasks such as sourcing, logistics, and importantly, complete payments using *virtual corporate card tokens*. This setup allows small businesses to outsource not just research but actual purchasing securely. ([Mastercard][2], [emscorporate.com][3]) Further commentary highlights how Mastercard’s tokenization and trust infrastructure support AI-driven, transparent commerce. ([Mastercard][4], [Business Insider][5]) ### 3. **Visa’s AI Agent Payment Initiative** Visa is working on giving AI agents access to its payments network via **delegated authorization**, enabling autonomous purchase capability while preserving user-defined budgets. ([AP News][6]) ### 4. **Lithic's Agentic Ad Spend Allocation** A marketing AI agent was able to autonomously allocate a \$10K ad budget across platforms like Google and LinkedIn. It spun up **Lithic virtual cards** with per-platform spend limits, then executed purchases without human input—demonstrating precise control and efficiency. ([lithic.com][7]) ### 5. **AI Agents Generating One-Time-Use Virtual Cards** Agentic AI in fintech can autonomously create **single-use virtual card numbers**, reducing fraud risk. These cards are generated, used, and then automatically deactivated, offering secure, policy-driven transactions. ([prolifics.com][8], [Infosys][9]) --- ## Contextual & Supporting Examples * **Comprehensive Agentic Workflows**: Beyond payments, agentic AI systems are executing complete workflows—like retrieving data, calling APIs, triggering actions, and finalizing transactions in enterprise systems. . ([Microsoft Azure][10]) * **Cross-border Payments & Infrastructure**: Agentic AI is also transforming payments infrastructure, streamlining cross-border payments, compliance, and error resolution—all while increasing trust and efficiency. ([TechRadar][11]) * **Agentic Commerce Overview**: Agentic commerce involves AI agents autonomously completing tasks end-to-end—such as booking flights or reordering items—closing the loop from intent to purchase. ([Mastercard][4]) * **Broader AI Agent Trends**: Numerous sectors—including Mastercard, Visa, Amazon, and OpenAI—are already integrating agentic agents into workflows like travel planning, shopping, and more. ([Kiplinger][12]) --- ## Summary Table | Example | Mechanism | Key Value | | ------------------------------- | ------------------------------ | -------------------------------- | | Agentic Virtual Cards | Issue-use-retire lifecycle | Secure, auditable autonomy | | Mastercard Agent Pay | Virtual corporate card tokens | Automated procurement capability | | Visa Agent Payment | Delegated AI-payment model | Authorized agentic transactions | | Lithic Ad Campaign Automation | Spend-managed virtual cards | Optimized media budget spending | | One-off Virtual Cards (Fintech) | AI-generated, single-use cards | Fraud-resistant payments | --- Would you like me to also provide a downloadable **diagram or flowchart** showing how these payment flows are structured in tooling or enter a **checklist for secure deployment** of agentic payment systems in enterprise settings? --- * [Business Insider](https://www.businessinsider.com/sc/exploring-agentic-ai-mastercards-role-in-transforming-digital-commerce?utm_source=chatgpt.com) * [TechRadar](https://www.techradar.com/pro/building-intelligent-infrastructure-for-a-truly-connected-economy?utm_source=chatgpt.com) * [AP News](https://apnews.com/article/5dfa1da145689e7951a181e2253ab349?utm_source=chatgpt.com) [1]: https://www.verygoodsecurity.com/blog/posts/how-virtual-cards-are-used-in-agentic-commerce?utm_source=chatgpt.com "How virtual cards are used in agentic commerce" [2]: https://www.mastercard.com/us/en/news-and-trends/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai.html?utm_source=chatgpt.com "Mastercard unveils Agent Pay, pioneering agentic payments ..." [3]: https://www.emscorporate.com/news/mastercard-and-visa-unveil-ai-agents-to-do-your-customers-shopping?utm_source=chatgpt.com "Mastercard and Visa Unveil AI Agents to Do Your ..." [4]: https://www.mastercard.com/us/en/news-and-trends/stories/2025/agentic-commerce-explainer.html?utm_source=chatgpt.com "What is agentic commerce? Your guide to AI-assisted retail" [5]: https://www.businessinsider.com/sc/exploring-agentic-ai-mastercards-role-in-transforming-digital-commerce?utm_source=chatgpt.com "As AI agents gain autonomy, trust becomes the new currency. Mastercard wants to power both." [6]: https://apnews.com/article/5dfa1da145689e7951a181e2253ab349?utm_source=chatgpt.com "Visa wants to give artificial intelligence 'agents' your credit card" [7]: https://www.lithic.com/blog/agentic-payments?utm_source=chatgpt.com "Built for Agentic Payments" [8]: https://prolifics.com/usa/resource-center/blog/agentic-ai-in-payments?utm_source=chatgpt.com "Agentic AI In Payments: Transforming The Future Of ..." [9]: https://www.infosys.com/iki/perspectives/agentic-ai-payments.html?utm_source=chatgpt.com "The promise and perils of agentic AI in payments" [10]: https://azure.microsoft.com/en-us/blog/agent-factory-the-new-era-of-agentic-ai-common-use-cases-and-design-patterns/?utm_source=chatgpt.com "Agent Factory: The new era of agentic AI—common use ..." [11]: https://www.techradar.com/pro/building-intelligent-infrastructure-for-a-truly-connected-economy?utm_source=chatgpt.com "Building intelligent infrastructure for a truly connected economy" [12]: https://www.kiplinger.com/personal-finance/what-are-ai-agents-what-can-they-do?utm_source=chatgpt.com "What Are AI Agents and What Can They Do for You?"

**Agents are increasingly transacting autonomously with virtual cards and payments APIs, powering use cases from healthcare reimbursement to travel bookings and cloud finance. Real-world examples demonstrate generative AI agents handling everything from intelligent fund routing to compliance and fraud detection, often leveraging virtual card infrastructure and payment orchestration.**[1][4][5] ## Examples of Agents Transacting - **Healthcare Payments:** Agents employ virtual card APIs to issue instant reimbursements to providers, cutting processing time from days to seconds. These agents automate complex sub-account adjudication (dividing payments across departments), ensure routing correctness, and provide step-by-step transparency on payment journeys—all with real-time fraud monitoring and compliance.[1] - **Travel & Expense Automation:** AI-driven platforms use issuing APIs (e.g., Stripe Issuing) for dynamic creation of virtual cards. Agents can instantly fund cards for employee travel, control spend in real time, and reconcile expenses automatically within one dashboard. They can also book travel with virtual card numbers generated and destroyed on demand.[4] - **Intelligent Commerce and Omnichannel Payments:** Agents in fintech and ecommerce select optimal payment rails (ACH, virtual card, or digital wallet) per transaction, automating spend management and reconciliation for enterprises and platforms.[4][1] - **Fraud and Risk Management:** In banking, generative AI agents leverage card/payment transaction monitoring to generate risk scores, intervene when anomalies are detected, and automate compliance/regulatory requirements, keeping transactions secure.[5] - **Enterprise Integrations:** Stripe’s collaboration with OpenAI enables agents within ChatGPT and DALL-E to transact—handling billing, subscriptions, and tax compliance using virtual cards and fully-automated flows.[5] ## Primary Sources and Citations - [How Generative AI and Virtual Card APIs Are Revolutionizing Payments](https://www.linkedin.com/pulse/how-generative-ai-virtual-card-apis-revolutionizing-payments-gordon-ubnmc)[1] - [Stripe Issuing: Virtual and Physical Card Issuing Platform](https://stripe.com/issuing)[4] - [Generative AI in Payments: 5 Use Cases & Examples (Visa, WEX, Stripe)](https://masterofcode.com/blog/generative-ai-for-payments)[5] These links provide detailed scenarios and reference real implementations where transactional agents interact directly with financial infrastructure for speed, security, and operational efficiency.[1][4][5] [1](https://www.linkedin.com/pulse/how-generative-ai-virtual-card-apis-revolutionizing-payments-gordon-ubnmc) [2](https://medium.muz.li/airtm-virtual-card-complete-case-study-9ecce7451dc8) [3](https://www.halo-lab.com/blog/card-ui-design) [4](https://stripe.com/issuing) [5](https://masterofcode.com/blog/generative-ai-for-payments) [6](https://dribbble.com/tags/virtual_card?page=3) [7](https://dribbble.com/tags/virtual_card?page=2&s=latest) [8](https://www.ltimindtree.com/blogs/generative-ai-in-cards-and-payments-ensuring-security-and-streamlining-transactions/) [9](https://www.behance.net/search/projects/credit%20card%20ui)