Oobit, a crypto payments platform backed by stablecoin giant Tether, has unveiled Agent Cards, a virtual Visa product that grants AI agents direct, programmable spending authority without requiring human sign-off on individual transactions or exposing corporate card credentials to automated systems.
According to an announcement on Thursday, the virtual Agent Cards will allow AI bots to make purchases, spending down a USDT balance without needing to convert to fiat, and “without giving them unchecked access to corporate card credentials or requiring a human in every approval loop.” They will be usable online, anywhere that Visa is accepted.
The launch comes as more businesses deploy AI agents to run core operational workflows, from marketing automation and cloud procurement to software-as-a-service (SaaS) management and advertising, among others. According to McKinsey’s State of AI 2025 survey, 23% of organizations are already scaling agentic systems within their operations, with a further 39% in the experimental phase.
Oobit CEO Amram Adar told The Block the move is aiming to address an emerging problem as agentic commerce picks up. Both Coinbase and OKX, for instance, have released tools to give AI bots wallets and spending capabilities, with some taking over core workflows — at least experimentally. "The honest take is that nobody solved the liability problem for autonomous payments," Adar said.
Just like expense cards for humans, Agent Cards come with corporate controls. The announcement notes there will be “one card per agent,” limiting exposure across agents or teams, as well as category-level spend controls and per-transaction and per-merchant spending caps, so the bots can’t overbuy, with “no override path.” Every transaction, whether approved or declined, will also be logged “with a human-readable reason” as part of an automated expense report. The cards also feature a payment processing integration, enabling AI agents to manage subscription billing or vendor payouts connected to Stripe and other payment solutions.
“Agent Cards is the first move toward giving autonomous financial operations real autonomy, without losing control. Over time, as e-commerce catches up, agents will operate fully on their own. We're building to support that moment,” Adar said.
Oobit has designed the initial launch around two core integration use cases. The first is payments processing, enabling AI agents to manage subscription billing or vendor payouts through Stripe and similar platforms. The second is automated expense reporting, giving finance teams a complete, structured log of spending across all active agents without manual data entry.
Oobit’s infrastructure already operates across 150 million merchants in more than 100 countries, and is backed by Tether, the world’s largest stablecoin issuer with more than $140 billion in circulation. The product is immediately available to crypto-native businesses running AI agents with stablecoin treasuries, as well as AI-forward companies evaluating stablecoin payments in their financial setup.
