This was predicted by one of the Argentinian directors, who presented a science fiction-like vision that a signature would be reached in a “short period of time”.
November 12, 2025 – 6:22 p.m.
During the Argentina Fintech Forum 2025, visa presented a vision that seemed to be science fictionbut the company guarantees that it will arrive in a very short time. Visa’s Group Country Manager for Argentina and the Southern Cone; gabriella renaudofrom current digital commerce agent commerce, A model with agents of artificial intelligence They will make purchases autonomously, securely and personalized.
Renaud explained:Payment systems are evolving towards a scenario with minimal human intervention. Instead of users manually searching, comparing, and paying, our unique AI agent handles the entire process and interacts directly with seller agents.
Artificial intelligence processes purchases: Visa’s futuristic vision
“My agent is going to work with your agent. Choose your product, negotiate the price and pay” he explained.
This new paradigm redefines the fundamentals of the payments ecosystem. Consent, Authentication, Fraud Prevention, and Dispute Resolution. Purchases are made within a conversational interface that makes the experience highly personalized and contextual. ChatGPT, Alexa, or Perplexity, You don’t have to leave the environment to fill out forms or enter data.
Visa is already developing a global sandbox to integrate these solutions with leading artificial intelligence platforms. Commercial launch is planned for the first quarter of 2026 in the United States, Renaudo said.
The system allows The user grants secure, tokenized credentials to the agent. You will now be able to pay directly through Visa.
The aim is to provide autonomy with maximum safety and reliability. “An agent cannot hallucinate. He must do exactly what you ask him to do.” Renaud noted that Visa will implement certain protocols to prevent fraud and ensure traceability of all operations.
New digital commerce ecosystem
The company operates within a framework called the Trusted Agent Protocol, which aims to ensure that both consumer agents and resellers are certified and interoperable across different brands and payment networks. Essentially, Visa aims to establish a global standard for commerce between artificial intelligence.
According to the company’s forecast, By 2030, approximately 15% of enterprise revenue will come from transactions performed between AI agents. Renaud equated this leap with the evolution of physical money to cards, then e-commerce, and then mobile payments.
he agent commerce So this is emerging as the next big revolution in digital consumption, where algorithms not only provide recommendations, but also make decisions and make purchases.
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