Visa has invested in AI coding platform Replit. The exact amount is undisclosed, but the intent is clear: let developers integrate Visa’s payment products directly through Replit — not just for human users, but for AI agents too.
What Visa and Replit are building
The two companies are working on integrating Visa’s payment suite into Replit. Two products are front and center:
Visa Intelligent Commerce — Visa’s AI payment package that lets developers embed payments into their applications.
Visa Trusted Agent Protocol — a system that lets AI agents securely identify themselves during transactions. The agent shares its intent and relevant customer details so the payment can be verified and trusted.
Why this matters
There’s a clear trend forming: AI agents aren’t just supposed to research and write — they’re supposed to act, including spending money. Robinhood launched MCP-powered AI stock trading last week. OpenAI built a checkout flow with ‘Buy it in ChatGPT.’ And now Visa is building the payment infrastructure so agents can pay anywhere.
The hard question: when an AI agent shops for you, who’s liable? How do you ensure the agent is authorized? Visa’s Trusted Agent Protocol is attempting to solve exactly that — an identity system for non-human actors in the payments space.
Replit’s role
Replit is one of the most widely used platforms for AI-assisted coding. CEO Amjad Masad points to growing enterprise traction: Replit is increasingly being used not just for prototyping but for production applications. With Visa on board, those applications get a direct connection to the global payments network.
Whether we actually want AI agents spending our money is a different question. But the infrastructure for it is being built right now — and Visa wants to be at the front of the line.
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