AI Payment Companies Integrate Card and Bank Rails Amid Stablecoin Limitations

Companies developing payment solutions for AI agents are incorporating card and bank rails as the reliance on stablecoins faces consumer adoption challenges. According to NS3.AI, cryptocurrencies are expected to represent only 1% to 5% of retail gross merchandise value by 2030. While cards continue to provide fraud protection, chargebacks, and rewards, stablecoins are seen as more suitable for low-value agent-to-agent and cross-border settlement transactions.