According to PYMNTS.com, Pay3 unveiled its Agentic Payments Platform on November 4th, designed to let AI agents autonomously execute and optimize financial transactions using stablecoins. The company cited Gartner projections that 33% of enterprise software will include agentic AI capabilities within three years. Pay3’s platform integrates stablecoin payments, intelligent routing and real-time settlement across major blockchains, allowing AI systems to manage pricing, billing and treasury flows. CEO Priya Karnik positioned the company at the intersection of “two generational technologies”—agentic AI and stablecoin payments. The platform supports enterprise use cases including cross-border payments, treasury optimization, and stablecoin acceptance and issuance, with plans to expand using Google’s new account-to-account open protocol.
The Technical Reality
So here’s what’s actually happening. Pay3 is building infrastructure that lets AI systems—think autonomous agents that can make decisions without human intervention—handle financial operations using stablecoins. Basically, they’re creating the plumbing for AI-to-AI commerce where machines pay each other directly.
The interesting part is the timing. With Gartner predicting one-third of enterprise software going agentic by 2027, companies are scrambling to build the financial infrastructure these AI systems will need. But here’s the thing—giving AI agents control over treasury flows and payments raises some serious questions. How do you audit autonomous financial decisions? What happens when an AI makes a bad trade or gets exploited?
The Stablecoin Double-Edged Sword
Now, about those stablecoins everyone’s so excited about. PYMNTS notes they’ve evolved from “niche curiosity” to key financial rails, with legitimate corporate treasury use and cross-border settlement applications. But there’s a darker side that doesn’t get enough attention.
According to TRM’s fall 2025 report, stablecoins accounted for 30% of all on-chain volume but made up a whopping 60% of illicit activity. Criminal actors apparently love the price stability, rapid global transfer, and that tricky combination of blockchain transparency with user anonymity. So while Pay3 is building for legitimate enterprise use, they’re also inheriting all the regulatory baggage that comes with stablecoins’ disproportionate use in illegal activities.
What This Actually Means
Look, autonomous AI payments sound futuristic, but we’re talking about machines handling corporate treasury operations and cross-border settlements. That’s serious money moving without human oversight. The promise is “smarter, faster, more accessible” finance—but the reality might be more complicated.
Pay3’s integration with Google’s A2A protocol suggests they’re thinking about interoperability between different AI systems. Imagine AI agents from different companies seamlessly transacting with each other. It’s either the future of commerce or a compliance nightmare waiting to happen. Probably both.
And let’s be real—when you combine AI’s tendency to find unexpected optimizations with stablecoins’ appeal to bad actors, you’ve got a recipe for some interesting regulatory attention. The institutionalization of stablecoins is definitely underway, but the path forward looks anything but smooth.
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