Visa announced its new technologies for artificial intelligence, stablecoin and token infrastructures at the Visa Payments Forum 2026 event held in San Francisco. With these analyses, the company aims to make trading experiences more reliable and modernize the reconciliation structure in payment processes.

Among the announced innovations are important topics such as Agentic Directory, Agent Score, Large Transaction Model, stablecoin reconciliation and tokenized deposit infrastructure. These technologies were developed to power programmable trading infrastructures.

Artificial intelligence and security focused innovations

Visa’s Intelligent Commerce approach aims to enable artificial intelligence agents acting on behalf of users or businesses to safely discover products and complete the payment process. Agent Score, developed in this field, helps businesses evaluate how ready their websites are for artificial intelligence-based commerce.

Agentic Directory serves as a belief directory for verified artificial intelligence agents and businesses. This structure enables interacting parties to verify each other’s reliability and authenticity.

Within the scope of the collaboration with OpenAI, it is aimed that artificial intelligence agents will be able to initiate processes within the limits determined by users. In this model, OpenAI provides the conversation-based user experience, while Visa provides the payment infrastructure.

Visa also introduced an artificial intelligence model called Large Transaction Model, which is trained with billions of transaction data. This model aims to improve fraud detection and reduce defective process rejection rates.

Expansion in stablecoin and token infrastructure

Visa is expanding its token infrastructure used in digital payments to include more contextual data and belief signals. The new token collateral signal improves the accuracy of authorization decisions by providing additional information about the trust level for each process.

The company is expanding its stablecoin consensus pilots to cover different regions and currencies. The annual transaction volume of stablecoin transfers carried out via VisaNet reached 7 billion dollars as of March 2026.

More than 160 stablecoin-linked card programs are being developed or used around the world. These programs allow users to spend their stablecoin balances at points that accept Visa.

Visa focuses on modular solutions that work compatible with existing banking systems. Solutions such as the Pismo core banking platform, Unified Checkout and Visa Intelligent Authorization are at the center of this modernization process.

This transformation in the payment section promises faster and automatic experiences for users. However, the spread of these new systems; It brings with it new questions on issues such as security, permit management and regulatory harmony. How do you think artificial intelligence-based payment systems will change our daily shopping habits?