According to Jiang, unlike their older, rule-based M2M payments, agentic payments involve reasoning, learning, and acting with a purpose. Because AI agents operate at machine speed and scale, their activity may resemble criminal behavior under today’s fraud detection models. Together, these three tokens would form a chain of trust between the human, the AI agent, and the relationship between them. AI agents see rapid adoptionAI agents are rapidly entering digital commerce, driven by growing customer demand. Major players, including Google, PayPal, Visa, and Mastercard, are already racing to capture the agentic AI shift.