AI agents are rapidly becoming the new power brokers in digital commerce, making purchases, managing subscriptions and choosing merchants before a consumer ever lifts a finger. Tokenization is giving these agents the authority to act and rewriting long-standing assumptions about checkout, loyalty and customer control. Read more in “Prompt Economy™: Tokens, Trust, and Transactions,” a PYMNTS Intelligence and Visa collaboration.

Inside:

• Tokenization replaces sensitive credentials with secure, network-verified tokens that allow AI agents to transact safely across merchants, apps and devices.

• Agent-driven payments remove friction from returns, subscriptions, reorders and multi-merchant purchases while increasing speed and security.

• Dynamic tokens, credential-on-file frameworks and new agent-native tools enable scalable, interoperable AI payments that work across platforms and endpoints.