“Can a single-use virtual card become the default payment primitive for autonomous AI agents?”
Agentcard was founded to give AI agents scoped, safe payment access via single-use virtual Visa cards, positioning itself as 'Stripe for agents.' Initially built on Third National (issuer) + Stripe (funding rail via PaymentIntent holds), the company is migrating its issuing rail to Rain (stablecoin-collateralized Visa) funded by per-user Coinbase CDP wallets holding USDC on Base — deprecating the traditional card-on-file flow in favor of a crypto-collateralized model.
Agentcard discloses Third National (issuer) and Rain (self-operated migration target) as its banking providers, with Third National as its sponsor bank, according to the Embedded Finance Index 2026.
Agentcard does not disclose a bank charter of its own; its banking services are provided through Third National.
Agentcard processes payments through Stripe.
Agentcard's cards are issued through Third National and Rain on the Visa network.
Agentcard uses Sumsub for KYC and identity verification.
Agentcard's crypto products run on Rain, Coinbase (CDP wallets) and Coinbase.
The Embedded Finance Index 2026 maps 7 layers in Agentcard's stack: Payments / PSP (Stripe); Banking / BaaS (Third National (issuer) and Rain (self-operated migration target)); Card issuing (Third National and Rain); Card network (Visa); KYC (Sumsub); Sponsor bank (Third National); Crypto (Rain, Coinbase (CDP wallets) and Coinbase).
Agentcard was founded by Karen Serfaty and Felipe Abello and is founded in 2025, headquartered in San Francisco, CA, USA.
Get a read on where your own stack stands against Agentcard and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.