Interlace releases Agent Card, aimed at building a controllable payment mechanism for AI Agents

Recently, the global Web3 fintech infrastructure platform Interlace announced the launch of Agentic Payment, providing secure and controllable virtual card products (Agent Card) for AI Agents.

Interlace founder and CEO Michael Wu stated that when AI begins to initiate tasks, call services, and complete transactions on behalf of humans, payments will no longer just be an execution action but need to be restructured as a foundational capability that can be called by the system. The launch of the Agent Card by Interlace is not merely a product innovation but an adjustment and reconstruction of the payment path in response to changes in transaction entities.

AI moves from participating in decision-making to direct transactions, with autonomous payment needs gradually emerging

Currently, AI technology is evolving from model capabilities to systematic applications, transitioning from an auxiliary tool to a主体 with execution capabilities, and this change is also driving a transformation in transaction forms. Payment processes, which were primarily initiated by humans in the past, are beginning to be partially taken over by automated systems.

From an industry development perspective, the evolution of Agentic Payment has certain phased characteristics. In 2024, some players represented by Web3 will begin to explore AI scenarios around programmable payments, still in the early stage of capability advancement; 2025 will be an important turning point, with mainstream card networks like Visa and Mastercard successively launching related solutions, marking the entry of this direction into the focus of mainstream payment systems, gradually shifting the industry's focus to infrastructure construction such as protocols and standards; entering 2026, with the enhancement of the new generation of AI Agent capabilities, the market will begin to discuss its role in autonomous execution and transactions, further expanding the boundaries of related applications.

Industry data also confirms this trend: global AI spending is expected to reach $2.52 trillion by 2026; the AI Agent market size is expected to reach $10.91 billion and maintain a high growth rate in the coming years; at the same time, AI-driven transaction behavior (Agentic Commerce) is expected to form a scale of $3-5 trillion by 2030.

As AI moves beyond analysis and recommendations to gradually participate in specific transaction links such as subscription renewals, advertising placements, and travel bookings, payment capabilities begin to become a key part of its execution loop. However, in reality, traditional payment systems still have certain limitations in adapting to automated execution, high-frequency calls, and risk control, especially in terms of authorization boundaries, fund security, and process traceability.

Four core capabilities, Interlace builds a controllable payment system for AI Agents

In this context, Interlace further focuses the issue on: how to establish clear and executable boundaries for AI while granting it execution capabilities. As Michael Wu emphasized, the key to AI payment is not "whether it can complete the payment," but "whether it can execute within a controllable range."

In a Space event co-hosted with leading Web3 media Metaera on April 9, Interlace's compliance and operations head Henry Chan shared detailed insights into the core mechanisms and application methods of the Interlace Agent Card, combining practical scenarios such as SaaS subscriptions, travel bookings, and advertising placements.

From a product perspective, its core is a dedicated virtual card (Agent Card) for AI Agents, and based on this, rules control and fund management mechanisms are introduced to ensure that payment behavior is controllable while being executed automatically.

To address users' common concerns about fund security risks, through the Interlace Agent Card, users can pre-set transaction conditions such as time range, amount limits, and merchant types. For example, transactions can be limited to weekdays from 9 AM to 6 PM, only allowing SaaS/travel/advertising merchants, and setting transaction limits of $100 per transaction or $500 per month. Notably, these rules not only take effect at the application level but are also synchronized to the card organization (such as Visa, Mastercard) network for execution, fundamentally reducing the possibility of rules being circumvented by technical means.

At the same time, the Interlace Agent Card adopts Just In Time (JIT) funding, meaning the card balance is always maintained at 0, with funds released instantly only after transaction authorization is approved, and the balance returns to 0 after the transaction is completed, thereby reducing the risks associated with fund exposure.

In terms of access methods, Agents can access payment capabilities through simple configurations, such as uploading a skills.md or MCP configuration file, allowing them to call budget, rules, and card-related functions without complex system integration, enabling payment capabilities to be embedded in their task execution processes. Meanwhile, the rule verification and execution paths during the transaction process will be recorded to support subsequent audits and tracking.

From an application perspective, the four core capabilities mainly address issues that may arise from AI Agents participating in transactions, such as unclear authority boundaries, uncontrollable fund usage, and insufficient process visibility, while also providing a practical path for payment implementation in Agent-to-Real-World scenarios.

Leveraging mature payment infrastructure capabilities to promote AI payment implementation

With industry development, the Agentic Payment field has gradually formed different divisions of labor: traditional financial network players (such as Visa, Mastercard) focus on integrating AI into existing payment network systems, while Web3 and stablecoin payment players explore machine-native settlement methods, and fintech platforms like Interlace focus on building system-level capabilities to solve the access and execution issues of Agent payments in real-world scenarios.

As a provider of Web3 payment infrastructure, Interlace has processed a payment scale exceeding $18 billion, issued over 7 million cards, and served more than 7,500 enterprise clients. These existing network capabilities provide foundational support for payment execution in AI scenarios.

Michael Wu stated, Interlace's core positioning is to be a provider of system adaptation capabilities for real-world payments, rather than merely a payment product supplier. "The large-scale implementation of AI Agents must rely on existing payment networks, merchant resources, and compliance systems, which is also the core reason why Interlace chooses to focus on Agent-to-Real-World scenarios. We hope to empower all players entering the Agentic Payment field with card issuance capabilities, system construction capabilities, and connections to real-world payment networks, allowing them to quickly realize the commercialization of AI payments without building an adaptation layer from scratch."

It is worth noting that Interlace will appear at the Hong Kong Web3 Carnival, participating in events such as The Scaling Summit and RWA & Payments 2026, to discuss the integrated development of AI and Web3 payments with industry partners and share innovative practices in stablecoin payment infrastructure, further promoting the implementation of Agentic Payment scenarios and technological development.