Vision
The next generation of commerce will not be driven solely by humans—it will be driven by AI agents acting on behalf of businesses and individuals. These agents will negotiate contracts, purchase software, book services, procure infrastructure, and manage recurring transactions autonomously.
However, autonomous commerce requires more than digital payments. It requires trust, governance, and policy enforcement. Our mission is to build the infrastructure that enables AI agents to participate safely in the global economy.
The Problem
Today’s payment systems are designed for human users. While AI agents can increasingly make intelligent decisions, they lack a secure and governed way to execute financial transactions.
Simply giving an AI agent a wallet introduces significant risks:
- Unlimited or unauthorized spending
- Payments to untrusted merchants
- Lack of organizational controls
- No programmable approval policies
- Compliance and audit challenges
Without a governance layer, autonomous commerce cannot scale.
Our Solution
B2AI Agentic Commerce Protocol is a policy-driven payment infrastructure for autonomous AI agents. Instead of providing only a wallet, we attach programmable spending policies that determine:
Who an AI agent can payTrusted counterparties and verified merchants.
Spending limits and budgetsPer-agent, per-transaction, and time-bound controls.
Approved merchants and vendorsAllowlists with trust verification.
Transaction conditionsRule-based authorization before funds move.
Approval workflowsHuman-in-the-loop gates for sensitive transactions.
Compliance and audit rulesComplete traceability and enterprise governance.
Every transaction is evaluated against these policies before payment is authorized, enabling secure and trustworthy autonomous commerce.
Partnership Spotlight
Why Visa Intelligent Commerce?
Visa has built one of the world’s most trusted payment networks. As AI agents become a new category of customer, they require payment infrastructure designed specifically for autonomous decision-making.
Our protocol complements Visa Intelligent Commerce by adding the governance and policy layer that makes agent-driven payments secure, compliant, and enterprise-ready. Together, we enable frictionless, trusted, and scalable AI-powered commerce across Visa’s global network.
Key Features
AI agent wallet with programmable policiesDedicated agent wallets governed by your rules.
Rule-based payment authorizationEvery transaction is evaluated before funds move.
Merchant allowlists and trust verificationPayments only to verified, trusted merchants.
Spending limits and budget controlsPer-agent, per-transaction, and time-bound caps.
Approval workflows for sensitive transactionsHuman-in-the-loop gates where they matter most.
Complete audit trail and transaction transparencyFull traceability from intent to settlement.
Enterprise-ready governance for autonomous commerceInstitutional-grade controls by design.
Impact
Our protocol enables organizations to confidently deploy AI agents that can safely purchase services, software, cloud resources, APIs, and digital products without sacrificing security or control.
By establishing trusted payment governance, we unlock a future where AI agents become active participants in the global economy.
Our Vision
AI agents are the next customer type. The world already has digital wallets. The B2AI economy needs programmable trust.
B2AI Agentic Commerce Protocol is building the policy layer that powers frictionless, secure, and governed commerce for autonomous AI.
Power the B2AI economy with programmable trust
Deploy Setu Pay AI to enable AI agents to transact safely, governed by programmable policies, approval workflows, and complete audit transparency—secure, compliant, and enterprise-ready by design.
Explore Setu Pay AI Mission
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Category: Products & Services · Section: Digital Automation Services · Detail: Banking Sector · Offering: Setu Pay AI (B2AI Agentic Commerce Protocol)
