The next phase of digital commerce may not be driven by humans clicking “buy now,” but by autonomous AI agents making purchasing decisions on behalf of businesses in real time. The new partnership between FPT AI Factory, InFlow, and Visa aims to build the infrastructure for this emerging machine-to-machine economy, where AI systems can independently research services, execute transactions, and manage payments with minimal human involvement.
FPT AI Factory has entered into a strategic partnership with InFlow and Visa to launch an agent native commerce platform specifically designed to facilitate autonomous AI-driven transactions. This collaboration focuses on the emerging sector of B2AI commerce, where artificial intelligence agents independently research, procure, and execute payments for services with minimal human oversight. The initiative represents a shift in the role of AI from a simple productivity tool to an active, autonomous participant within digital commerce ecosystems.
To support this machine-to-machine commercial activity, the three organisations are combining their specialised infrastructures into a unified system. InFlow is providing the commerce infrastructure necessary for businesses and agents to transact programmatically, while Visa Intelligent Commerce supplies the payment credentials and settlement capabilities required for authenticated transactions. FPT AI Factory contributes the AI inference layer, which utilises high-performance NVIDIA GPU cloud infrastructure to enable agents to access models and execute high-frequency API requests.
The platform is engineered to allow AI agents to dynamically select models based on performance, latency, and cost requirements while maintaining continuous workflows for onboarding and execution. This infrastructure supports uninterrupted, machine-driven operations across various AI service environments. The broader partnership highlights the increasing convergence of cloud infrastructure, digital payments, and artificial intelligence as firms work to establish new financial frameworks for programmable transactions and autonomous software agents.
What this means for the industry
- AI agents are starting to become active participants in digital commerce, not just productivity tools.
- Machine-to-machine payments could create new demand for programmable payment infrastructure and embedded finance.
- Financial institutions may need new controls around AI-driven spending, authentication, and fraud management.
- The partnership highlights how cloud infrastructure, AI, and payments are rapidly converging into a single ecosystem.
