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Fetch.ai has today announced the world’s first AI agent-to-agent payment, enabling personal AIs to complete payments autonomously on behalf of users, even while they’re offline, through ASI:One, Fetch.ai’s proprietary agentic AI platform where users build and deploy their own personal AI agents, with payments by Visa, as well as on-chain transactions using USDC and FET, and additional payment methods to be introduced as the system expands.
In the first live use case, a Personal AI powered by ASI:One coordinated with a friend’s Personal AI to identify a shared dinner plan, secure a reservation via OpenTable, and complete payment, entirely while both users were offline.
This milestone marks the first time autonomous AIs have not only coordinated plans, but also executed real-world transactions on behalf of humans.
“Agentic payments are the gateway to AI first economy,” said Humayun Sheikh, CEO of Fetch.ai. “By enabling AIs to transact on our behalf, we’re creating a new era where intelligent agents execute, secure, and deliver real-world value without waiting for us to intervene. This fundamentally changes the way we interact with the world: AI can now act in real time, turning opportunities into experiences, purchases, and commitments, all while keeping users in control. It’s a first step toward a future where autonomous agents handle the routine, the urgent, and even the complex, making our lives more seamlessly connected.”
Until now, Personal AIs could identify opportunities but required traditional methods to complete transactions. Fetch.ai’s AI-to-AI payment capability closes that gap by enabling:
• Autonomous coordination between Personal and Business AIs
• Real-time booking and payment execution
• Offline action using user-approved funds
Users allocate spending limits to their AI, maintaining full control while allowing their AI to act when timing matters. Enabling payments requires trust mechanisms in place which Fetch’s Agentverse provides through secure, permissioned interactions, transparent transaction methods and verifiable authorization between agents.
AI-to-AI payments are designed with security and user control at the core, ensuring users can confidently let their AIs act on their behalf:
• Dedicated AI wallets with user-defined limits give your AI a controlled budget, so it can transact only within the boundaries you set.
• Temporary Visa credentials for card payments ensure that your actual card details are never exposed or stored, keeping sensitive information safe.
• On-chain payments using USDC and/or FET provide a secure, transparent, and verifiable method for blockchain-based transactions.
• Optional transaction confirmation requirements let users maintain oversight, requiring approval before any payment is processed.
At no point does the AI access your personal wallet or permanent card information. Every transaction is permissioned, traceable, and fully under the users control, combining autonomy with robust security for real-world actions.
AI-to-AI payments allow personal AIs to move beyond simple assistance and into full execution, securing reservations, booking experiences, and completing purchases automatically, before opportunities are lost. This marks a significant shift in how AI interacts with the real world, giving users the ability to delegate time-sensitive tasks while maintaining full control.
For consumers, it means more seamless experiences, fewer missed opportunities, and smarter, real-time interactions with the world around them. For businesses, it opens new avenues for engagement, commerce, and service delivery, as autonomous agents can transact on behalf of users with speed and precision. For the AI industry, this capability establishes a foundation for autonomous commerce, where intelligent agents can operate securely, transparently, and permissioned, transforming the way humans, AI, and digital payments interact across the economy.
Full rollout of AI-to-AI payments is tentatively scheduled for January and will be available to users through ASI:One.
About Fetch.ai
Fetch.ai is a Silicon Valley and Cambridge, UK–based AI company and founding member of the ASI Alliance, building the foundational infrastructure for the emerging agent economy. Fetch.ai enables autonomous, goal-oriented AI agents to discover, coordinate, and transact on behalf of users, businesses, and devices across an open, decentralized digital ecosystem. Its full-stack platform spans consumer, developer, and enterprise use cases, including ASI:One, a personal agentic AI users own and customize; Agentverse, a global discovery and monetization layer for AI agents; and Fetch Business, which allows companies to deploy verified, always-on brand agents. Together, these products make the agent-based web discoverable, interoperable, and economically viable, powering the next generation of intelligent applications.