According to PYMNTS.com, Pay3 unveiled its Agentic Payments Platform on Tuesday, November 4th, designed to let artificial intelligence agents autonomously execute and optimize financial transactions using stablecoins. The company cited Gartner projections that 33% of enterprise software will include agentic AI capabilities within three years. Pay3’s platform integrates stablecoin payments, intelligent routing and real-time settlement across major blockchains, allowing AI systems to manage pricing, billing and treasury flows. The company plans to expand capabilities using Google’s new account-to-account open protocol. Meanwhile, a fall 2025 TRM report revealed stablecoins account for 30% of all on-chain volume but make up 60% of illicit activity, with criminal actors exploiting their price stability and rapid global transfer capabilities.
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The Business Behind AI Spenders
So here’s the thing – Pay3 isn’t just building another payment processor. They’re positioning themselves at what CEO Priya Karnik calls “the intersection of two generational technologies.” Basically, they’re betting that companies will want AI systems that can not only make decisions but actually execute financial transactions autonomously. And they’re probably right.
The revenue model here seems to be enterprise-focused infrastructure. They’re offering cross-border payments, treasury optimization, and stablecoin acceptance/issuance services. Think about it – if AI agents can manage corporate treasury flows automatically, that’s a massive efficiency play for finance departments. But the timing is interesting. We’re still in early days for both agentic AI and stablecoin adoption in traditional finance.
The Elephant in the Room
Now let’s talk about that illicit activity statistic. Stablecoins making up 60% of illegal transactions while only being 30% of volume? That’s a huge red flag. Criminal actors apparently love the combination of price stability, rapid transfers, and that blockchain transparency/anonymity mix.
This creates a real challenge for Pay3’s enterprise pitch. How do you convince corporate treasurers to let AI agents loose with stablecoins when the ecosystem has this reputation? The company will need serious compliance and monitoring features to overcome that perception. And honestly, that might be their real business opportunity – providing the guardrails that make autonomous AI financial transactions actually work in regulated environments.
What’s fascinating is they’re pushing forward with Google’s A2A protocol expansion despite these concerns. Either they’re incredibly confident in their security measures, or they’re betting that the efficiency gains will outweigh the risks for early adopters. My money’s on the latter.
