Agentic Commerce Is Coming. Fintechs, Are You Ready?

What’s Already Happening everyday trust.

The next evolution of commerce won’t depend on who has the slickest app—it’ll depend on who’s visible to AI agents. Agentic commerce is here: autonomous AI agents that transact, negotiate, and decide on behalf of users. Industry activity and new AI partnerships are unprecedented, and as of summer of 2025:

OpenAI & Microsoft

Building voice-first, memory-powered agents.

Startups like Multion, Vana, MindStudio

Creating agent infrastructure.

Google Gemini & Amazon LLM

Embedding autonomous behavior into everyday search and shopping.

VCs (a16z, Greylock)

Size this as a $100B+ market within 5–7 years.

Shopify Magic & Semantic Search

Make millions of SKUs agent-readable.

Gartner projects 20% of consumer purchases

Will be agent-initiated by 2030.

What Actually Powers Agentic Commerce

It’s not magic. It’s infrastructure. To play in this ecosystem, fintechs must align four building blocks:

LLMs + Memory

Goal-based reasoning and contextual recall.

APIs + Interfaces

Execution across apps, wallets, and payment gateways.

Fintech Infrastructure

Embedded payments, KYC, compliance, ID verification.

MCP (Multi-Agent Collaborative Planning)

Agents coordinating tasks.

What Fintech Founders Need to Ask

Embedded payments, KYC, compliance, ID verification.

Reality Check

Are your products agent-accessible, or still human-only experiences?

PMF Revalidation

Will agents discover and recommend your product based on data, not design?

Cross-Functional Alignment

Is your compliance, ops, and tech stack ready for autonomous transactions (KYA, audit trails, reversibility)?

Execution & Metrics

How will you measure discoverability, trust, and machine-led conversion instead of app downloads?

Agentic commerce isn’t a UX trend—it’s a distribution transformation. In this new ecosystem, agents—not consumers—decide what gets seen, trusted, and transacted. The fintechs that adapt now will own the next layer of distribution. Those who don’t will be filtered out—by machines. At VueScale, we help fintechs design API-first products ready for agent ecosystems, rewire pricing & GTM for autonomous decisioning and build trust and controls around KYA and MCP.