Agent Commerce Infrastructure

The Big Idea

When you shop online today, you browse, compare prices, enter your credit card, and click "Pay."But what if your AI assistant handled all of that for you?This is agentic commerce, a world where AI agents shop, negotiate, subscribe, and pay on your behalf. This isn’t science fiction. Google has already launched the Agent Payments Protocol (AP2), which sets the standard for how AI agents handle money. Analysts predict this could become a trillion-dollar market by 2030.The problem: merchants aren't ready.When an AI agent shows up at a merchant's checkout, the merchant has no way to answer basic questions:

• "Is this agent actually authorized to spend this person's money?"
• "Can I trust this agent? Has it been involved in fraud before?"
• "How do I process a payment from a digital wallet I've never seen?"
• "If something goes wrong, who do I dispute with, the person or the agent?"

Agent Commerce solves all of these problems. We are building the infrastructure that connects merchants to the agent economy, so businesses can confidently accept, process, and manage transactions made by AI agents.

Why This Matters Now

The Timing

The agent economy is not a "someday" opportunity. It is unfolding right now:

• Google's AP2 protocol defines how agents prove they have permission to act (mandates) and how they carry payment credentials.
• Every major AI lab (OpenAI, Google, Anthropic, Meta) is building agents capable of taking real-world actions, including purchasing.
• No infrastructure exists for merchants to handle agent-driven commerce at scale.

We are building the essential tools for this new market. We don’t have to guess which AI agent will win; we just need to help merchants accept them all.

The Analogy

Think of it this way:

Each new payment method has led to the rise of major infrastructure companies. We are ready for the next big shift.

What We've Built, The Core Concepts

Concept 1: The Trust Layer

Before a merchant accepts a transaction from an AI agent, they need to know: "Can I trust this agent?"We built a system that answers this in milliseconds:

• Mandate Verification: An agent carries a digital permission slip, called a "mandate," from the person who authorized it. Our platform instantly checks if it’s real and up to date. It works like checking ID for AI agents.
• Agent Reputation: Each agent earns a trust score over time based on its actions across the network. Has it completed transactions without problems? Has it ever been flagged for fraud? Merchants can set their own rules, like only accepting agents with a trust score above 75.
• Access Control: Merchants decide what agents can do. For example, agents might be allowed to browse and compare, but not make purchases over $500. These rules are enforced automatically.

Concept 2: The Payment Layer

AI agents don’t use credit cards. Instead, they use digital credentials like wallet tokens, payment references, or stablecoin addresses. Most merchants’ payment systems can’t process these directly.We built a universal translator for agent payments:

• Credential Translation: An agent might present an Apple Pay token, a Google Pay reference, or a crypto address. Our platform converts these into a format the merchant’s payment processor, like Stripe or Adyen, can handle.
• Smart Fee Engine: Every transaction has fees: platform fees, payment processing fees, and partner revenue shares. Our engine calculates all of them in real-time using configurable formulas. Merchants see exactly what they're paying and why.
• Virtual Cards: For merchants who only take regular card payments, we can create a temporary virtual card linked to the agent’s credentials. The merchant processes it just like any other card, without seeing the complexity behind it.
• Settlement & Refunds: Money flows cleanly. Automated refunds return to the correct provider if issues arise.

Concept 3: The Visibility Layer

When a person shops, there’s a clear record of browsing history, email receipts, and delivery confirmations. But when an AI agent shops, merchants lose that visibility.We restore that visibility:

• Consent Registry: Who gave what permission to which agent? Every consent is recorded, timestamped, and auditable. This is critical for privacy regulations (GDPR, CCPA).
• Dispute Resolution: If a customer says, "I didn't authorize that purchase," we have the full chain of evidence: the mandate, the agent's identity, the transaction, and the consent record. Disputes are resolved with evidence, not guesswork.
• Real-Time Analytics: Merchants see live dashboards showing agent activity, transaction volumes, fraud signals, and trend analysis. They can monitor their agent's economy in real time.
• Compliance & Audit: Every action is logged. Every data access is recorded. When regulators ask questions, merchants have answers.

Concept 4: The Platform Economy

We do more than serve merchants; we support a whole ecosystem:

• Partner Integrations: Our platform allows technology partners, including payment providers, fraud detection services, and AI platforms, to integrate using a standardized SDK. These partners register as adapters and become instantly accessible to every merchant on our platform, expanding their reach and value.
• Subscription Billing: Merchants pay us through tiered plans (Free, Starter, Growth, Enterprise) with usage-based metering. As their agent transaction volume grows, we grow with them.
• Multi-Channel Alerts: Key events (fraud, settlement failure, compliance) trigger notifications via email, SMS, Slack, or PagerDuty.

The Three Portals — Who Sees What

We built three separate dashboards because three different types of users care about very different things:

For Merchants: "How is my business doing with agents?"

The Merchant Portal is where businesses manage their interactions with the agent economy. They can review transactions, process refunds, manage billing, and set fraud sensitivity. The dashboard feels familiar, like other modern tools, even though the technology is new.

For Platform Admins: "How is the whole system performing?"

The Admin Console is our internal command center. The operations team monitors the health of all services, manages merchants, configures fee structures, reviews compliance requests, and watches a real-time audit stream. If something goes wrong anywhere in the platform, this is where we see it first.

For Partners: "How is my integration performing?"

The Partner Portal is for companies that integrate with us, such as payment processors, fraud engines, and AI providers. Partners can register adapters, test in the sandbox, monitor metrics, and manage API keys. Build once and reach every merchant on our network.

The Potential

Market Size

The agentic commerce market doesn't yet exist as a defined category, which is exactly why the opportunity is enormous. Here are the adjacent markets that feed into it:

Capturing even a small share of agent-driven payments creates a large business.

Revenue Model

We make money three ways:

1. Subscription Plans: Monthly SaaS fees from merchants (tiered by volume)
2. Transaction Fees: A small percentage of every agent transaction processed through the platform
3. Partner Revenue Share: Partners pay a share when their adapters process volume through our network

This is a classic platform model: more merchants attract more partners, which brings in more agent platforms and more transactions, creating a cycle of growth.

Competitive Position

Growth Scenarios

Conservative: 500 merchants by the end of 2027, processing $200M in annual agent transaction volume → ~$8M ARRBase Case: 2,000 merchants by the end of 2027, processing $1.2B in annual agent transaction volume → ~$35M ARRAggressive: 5,000+ merchants by the end of 2027 as a major AI platform adopts AP2 and drives agent commerce mainstream → $100M+ ARR.The real turning point will come when a major consumer AI product starts making real purchases for users. When that happens, every merchant will need what we’ve built, and they’ll need it right away.

In Summary

The way people pay is about to change in a big way. AI agents will soon be the main shoppers for millions of people. Merchants will need new infrastructure to handle this, systems that verify trust, translate payments, and provide visibility.This infrastructure is ready now, just waiting to hit the deployment button.