Payment infrastructure for the agentic era. Cards, IBANs, credit lines, and crypto rails for autonomous AI agents.
MCP-native payment rails for autonomous agents.
90% of B2B purchases will be AI-agent intermediated.
Source: Gartner, Oct 2025
15–25% of total US online retail sales.
Source: Bain & Company, Dec 2025
The next era of commerce isn't human-to-machine. It's machine-to-machine. aiPay.sh provides the financial rail for the agentic economy, enabling autonomous agents to hold capital, negotiate, and execute transactions.
By 2028, 90% of all B2B purchases will flow through AI agent exchanges, pushing over $15 trillion through agent-intermediated channels.
Source: Gartner, Oct 2025
Agentic AI could account for 15–25% of US e-commerce sales by 2030, reaching $300B–$500B in annual volume.
Source: Bain & Company, Dec 2025
Of enterprise apps will feature task-specific AI agents by 2026, up from less than 5% in 2025. An 8x increase in 12 months.
Source: Gartner, Aug 2025
AI agents are ready to transact. Financial systems are not. Current infrastructure requires human identity and manual verification. Agents cannot open bank accounts, hold credit cards, or settle payments autonomously.
“Every single company in the world today has to have an OpenClaw strategy. This is definitely the next ChatGPT.”
OpenClaw is the OS for personal AI. Every agent running on it needs secure payment rails. That's aiPay.
“We believe that, in 2025, we may see the first AI agents ‘join the workforce’ and materially change the output of companies.”
Agents joining the workforce means agents making purchases, paying invoices, and managing budgets.
“Every organization will have a constellation of agents — ranging from simple prompt-and-response to fully autonomous.”
Constellations of agents need constellations of cards, IBANs, and spending policies. Managed from one stack.
In September 2025, Stripe and OpenAIco-developed the Agentic Commerce Protocol (ACP) — an open standard enabling AI agents to complete purchases. Stripe introduced a Shared Payment Token letting agents initiate payments without exposing buyer credentials.
Source: Stripe Blog, Sep 2025
aiPay.sh abstracts the complexity of corporate treasury into a unified, programmable interface. Designed for precision, speed, and infinite scalability.
Instantly issue multi-currency virtual Mastercard cards (GBP, EUR, USD) with dynamic spending limits and merchant lock-in. Single-use or persistent.
Granular, rule-based policies: per-transaction limits, daily caps, MCC restrictions, time windows. Policies stack. Most restrictive wins.
Each agent gets its own bank account. Receive SEPA, Faster Payments, or wire transfers. Transfer between agents instantly.
Business credit with 90-day interest-free terms. Agents create credit-backed cards. No need to pre-fund every transaction.
Built on the Model Context Protocol — now governed by the Linux Foundation's Agentic AI Foundation. 25+ tools registered. Every CLI command is also an MCP tool and a REST API endpoint.
Source: Anthropic / Linux Foundation, Dec 2025
Fund agent cards from USDC or USDT. Real-time exchange rate shown before confirmation. Settle agent-to-agent payments on-chain.
Bi-directional sync with NetSuite, SAP, QuickBooks, and Xero for zero-touch reconciliation. Full audit trail exportable as CSV or JSON.