When an AI agent checks out, whose card does it use?
Consumers are starting to delegate their spending to AI assistants that shop and pay on their behalf. Strivve makes the issuer's card the one already on file when the agent pays — automatically, securely, and across the long tail of merchants where households actually spend.
Not a roadmap item — a verified trusted agent, live in production today.
See where your card stands
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Consumers no longer just search. They delegate.
“Find the best price on headphones under $300 and buy them.” “Reorder the usual groceries and add what we need for taco night.” AI assistants that support the Model Context Protocol (MCP) can now select the merchant, complete checkout, and pay. In every one of those transactions, the agent chooses which stored card to use.
The question that will define the next decade of payments is simple: whose card is on file when the agent checks out?
The prize is as large as the risk
The issuer whose card an agent reaches for by default earns a new stream of agent-initiated transactions — across the entire long tail of merchants, automatically, every time the agent shops.
The risk is disintermediation
Wallets and platforms are working to insert themselves between the cardholder and the transaction. If an issuer's card isn't the one the agent already trusts, those transactions go to whoever got there first.
How Strivve wins the agentic position
Agentic Top of Wallet builds on the same proven, patented placement engine issuers already trust — extended to the fastest-growing payment surface in history.
Agent-ready placement
An issuer's card is placed and kept current as the default credential, so agent-initiated purchases route to it automatically — no cardholder in the loop at checkout.
Long-tail merchant coverage
Network programs focus on the largest merchants. Strivve's autonomous browser technology reaches the thousands of merchant sites where real household spend actually happens.
Issuer-grade security
Per-institution isolated environments and a hardened PCI boundary keep credentials under the issuer's control — never scattered across agent platforms.
A verified trusted agent
Strivve operates as a verified trusted agent in production today across Cloudflare and Akamai, implementing the Visa-led Trusted Agent Protocol (TAP) on the open RFC 9421 standard — so merchants can cryptographically confirm a Strivve agent is authorized and acting with the cardholder's consent.
The connective tissue of agentic commerce
Strivve sits across the cardholder, the issuer, the agent, and the merchant — placing the right card on file and keeping it current wherever a consumer's agent shops.
Proven where it counts
The agentic capability rests on a placement platform that is live today — patented, PCI-DSS compliant, and in production across hundreds of financial institutions.
credit & debit card issuers served
card-placement success rate at MSUFCU
return on investment at MSUFCU
Where Strivve sits in the market
A new category is forming as networks, agent platforms, and issuers race to define how a card is chosen and used by an AI agent. Strivve's position is distinct: rail-agnostic, already in production, and cardholder-centric. Rather than compete for the agent, Strivve makes any issuer's card the one the agent already trusts — on the open standards the ecosystem is converging around, and across the merchants those standards don't reach.
Own Top of Wallet in the age of agents
Strivve is opening early access to a limited group of issuers, with a working prototype we'll demonstrate against your own card portfolio. Start the conversation and see where your card stands in agentic checkout.
Talk to Strivve
Share your name and email and we'll be in touch.
By submitting, you agree to our Terms and Privacy Statement.