Alchemy is bringing AI agents onto Visa’s payment network, giving autonomous software a way to make purchases with identity and spending controls attached.

The blockchain infrastructure company announced AgentCard, a payments and identity platform for AI agents built on Visa Intelligent Commerce. The integration lets agents make online purchases on behalf of users at merchants that accept Visa.

AgentCard gives each AI agent a Visa issued payment token, a dedicated email address, a phone number, and a crypto wallet. Alchemy says the setup can be provisioned through a single API call.

The product is designed for AI agents built on models from OpenAI, Anthropic, and other providers. Use cases include booking travel, ordering groceries, renewing subscriptions, and handling other online transactions without forcing the user through every checkout step manually.

The key feature is control. AgentCard includes spending limits, budget rules, and payment controls so users or businesses can define what an agent is allowed to buy and how much it can spend.

Visa Intelligent Commerce provides the card network layer. Visa says the platform embeds payment credentials, authentication, controls, and fraud protections into AI initiated transactions, helping merchants and developers support agentic commerce without rebuilding checkout systems from scratch.

Alchemy is positioning AgentCard as both a crypto and traditional payments product. The agent receives a crypto wallet alongside Visa payment credentials, while a routing layer can move between card based payments and crypto rails when supported.

That hybrid design reflects where agent commerce is heading. AI agents need access to existing merchant networks, but they also need programmable wallets and onchain settlement options for tasks that happen outside traditional payment flows.

Alchemy already sits behind major blockchain applications and has processed more than $2 trillion in onchain transactions. AgentCard moves the company from infrastructure for decentralized apps into infrastructure for AI driven commerce.

The Visa integration lowers the adoption barrier. Merchants do not need to accept a new token or integrate a crypto wallet to receive agent initiated payments. If they already accept Visa, the agent can transact through existing rails.

The product also shows how payment networks are preparing for a shift from human checkout to agent checkout. The next commerce interface may not be a person clicking buy. It may be software acting within rules set by the user.

The challenge is trust. AI agents that can spend money need clear identity, strong limits, fraud controls, and a clean audit trail. AgentCard is Alchemy’s attempt to package those pieces into one system before autonomous commerce becomes mainstream.