Jul 2026
Strivve Extends Top of Wallet to Agentic Commerce
As AI assistants begin shopping and paying on people’s behalf, one question will define the next decade of payments: when an agent checks out, whose card does it use? Strivve now extends its Top of Wallet® platform to agentic commerce, so an issuer’s card is the one the agent uses — automatically, and across the long tail of merchants where households actually spend.
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) — including Claude, ChatGPT, Gemini, and Grok — can now select the merchant, complete checkout, and pay. In every one of those transactions, the agent chooses which stored card to use.
The prize, and the risk
The issuer whose card an agent reaches for by default earns a new stream of agent-initiated transactions — automatically, every time the agent shops. The risk is the mirror image: if an issuer’s card isn’t the one the agent already trusts, those transactions go to whoever got there first. Strivve calls winning that position Top of Wallet for Agentic Commerce.
Built on a proven, patented platform
The agentic capability extends the same PCI-DSS-compliant placement engine that serves more than 200 credit and debit card issuers today. It adds agent-ready placement, so agent-initiated purchases route to the issuer’s card by default; long-tail merchant coverage across the sites where real household spend happens; and per-institution security that keeps credentials under the issuer’s control, never scattered across agent platforms. Strivve already operates as a verified trusted agent in production across Cloudflare and Akamai, implementing the Visa-led Trusted Agent Protocol (TAP) on the open RFC 9421 standard — so a merchant can cryptographically confirm that a Strivve agent is authorized and acting with the cardholder’s consent.
Proven where it counts
At Michigan State University Federal Credit Union, Strivve’s platform achieved a 96% card-placement success rate and a 12x return on investment. The agentic capability is in early access with a limited group of issuers, backed by a working prototype Strivve will demonstrate against an issuer’s own card portfolio.