Oobita crypto payments platform backed by stablecoin giant Tether, has unveiled Agent Cards, a virtual Visa product that gives AI agents instant, programmable spending authority without human sign-off of individual transactions or exposing corporate card credentials to automated systems.
The launch comes as more companies deploy AI agents to run key operational workflows, from marketing automation and cloud purchasing to software-as-a-service (SaaS) management and advertising, among others.
According to McKinsey’s State of AI 2025 research, 23% of organizations are already scaling agentic systems across their operations, while another 39% are in the experimental phase.
However, payments are still a persistent bottleneck because companies can’t simply hand over their corporate cards to agents, and routing every payment through a human approver undermines the efficiencies that automation should bring.
As the adoption of agentic AI continues to increase, so does the urgency of solving the payment problem, and the Oobit Agent Card steps in as a timely intervention.
How does Oobit propose to solve the AI payment problem?
Agent Cards allows companies to issue a dedicated virtual Visa card for each AI agent, funded directly from a USDT stablecoin treasury with no fiat conversion required.
Enterprises can configure and enforce spending policies on the server at installation time, meaning an agent cannot override or circumvent them, regardless of the instructions it receives.
The agent cards are based on three control mechanisms.
- The first is that each agent receives their own card, eliminating shared card exposure between teams and also allowing for a clean identity and audit trail.
- The second mechanism is the category-level spend control, which ensures that each agent can only transact with categories of sellers that are relevant to the assigned function.
- The third mechanism is the hard transaction limit, which is applied on a per-transaction, per-merchant basis and is enforced on the server side without a transfer path available.
Every transaction, whether approved or rejected, is recorded in real time, along with a human-readable explanation. This eliminates the pending statuses and manual reconciliation queues that will slow down finance teams when managing automated activities.
What can companies actually do with Agent Cards?
Oobit designed the initial launch around two core integration use cases.
- The first is payment processing, which allows AI agents to manage subscription billing or vendor payouts through Stripe and similar platforms.
- The second is automated expense reporting, which gives finance teams a complete, structured log of all active agents’ expenses without manual data entry.
In addition to these foundations, the product supports a range of practical applications, such as purchasing stocks or digital assets within set thresholds, booking travel within approved budgets, or completing purchases in real time when specific pricing conditions are met.
Businesses can activate Agent Cards through a five-step setup wizard that, according to the company, gets a card live in three minutes.
Oobit’s infrastructure is the proof-of-concept
Oobit is not launching an untested infrastructure, as the company is already active with 150 million merchants in more than 100 countries, and is backed by Tether, the world’s largest stablecoin issuer with more than $140 billion in circulation.
That pedigree lends credibility to what the company claims is the only agent card product built specifically for companies whose treasuries are held in stablecoins.
In a statement, Amram Adar, CEO of Oobit, said: “The honest opinion is that the online world is not ready for AI agents to be able to complete complex tasks and pay on behalf of a company or individual.”
He added: “Agent Cards is the first step toward giving real autonomy to autonomous financial operations, without losing control.”
The product is immediately available to crypto-native companies running AI agents with stablecoin treasuries, as well as AI-forward companies evaluating stablecoin payments in their financial setup.