InFlow Launches AI Agent Payment Infrastructure Using Visa Network

San Francisco-based InFlow launched agent-native commerce infrastructure built on top of Visa Intelligent Commerce in the week of May 8, 2026. The development pairs secure payment credentials with a policy-governed engine, allowing AI agents to transact while adhering to human-defined rules on spending. InFlow launched late last year prior to May 2026.

InFlow positions itself as B2AI infrastructure. Its platform handles identity, onboarding, multi-currency wallet functionality and a policy-governed payments engine. Visa Intelligent Commerce supplies the payment credentials, tokenization, authentication and merchant acceptance through Visa's global network.

Tanner Riche, Visa VP, stated: "AI agents are a new buyer category, and businesses need a trusted way to support them. Visa Intelligent Commerce helps enable secure, trusted credentials for agent-initiated transactions. " According to Visa’s Business-to-AI report, 71% of businesses say they're willing to optimize products, offers, and experiences specifically for AI agents.

The same report found that 77% of businesses are already using or piloting AI in their operations. InFlow and Visa are aiming at B2B cloud infrastructure including compute, inference, data, storage and capability layers that agents themselves consume.

John Koetsier, a Senior Contributor at Forbes, reported that his AI agents have spent upwards of $2,000 in tokens over the last three months as of May 2026, with all payments personally authorized by him.

The article was published on May 08, 2026, at 12:04am EDT. @Forbes reported that the combination of InFlow's policy engine and Visa's network-grade credentials fills a structural gap in existing payment systems, where decision-making and transaction execution have traditionally collapsed into a single human action.

When the human is removed from the loop, Nguyen has argued, the policy layer disappears with them.

InFlow's approach separates that policy function, creating wallets that know what an agent is allowed to spend on, with whom and under what limits. The launch targets the emerging B2AI economy rather than immediate consumer uses such as an agent purchasing apparel.

@Forbes reported the infrastructure provides an additional trust layer beyond crypto-based alternatives, with tokenization and merchant acceptance that any participant on Visa's global network can recognize.