Oobit, a Singapore-based stablecoin payments firm, has launched Oobit AI Payments, a product that lets users authorise AI assistants to make purchases on their behalf using stablecoins, without granting those assistants access to the underlying account balance or primary payment credentials.

The mechanism works through ephemeral card issuance. When a user asks an AI assistant to book, buy or pay for something, the assistant flags the transaction for approval. Once the user confirms, Oobit generates a one-time virtual card tied exclusively to that transaction. The AI receives the card details it needs to complete checkout; it never holds the user’s wallet credentials or sees the broader account. Oobit then handles identity verification, authorisation and payment execution in the background.

The product supports USDT and other stablecoins. Users in supported markets can also fund their Oobit balance through local payment rails, including bank transfers, mobile money networks and Brazil’s Pix instant payment system. The company says the solution is available across more than 75 countries.

“AI can already understand what you want and figure out how to get it,” said Amram Adar, co-founder and CEO of Oobit. “The missing piece is the ability to pay. That shouldn’t depend on where you live or which bank card you have.”

The architecture of delegated payments

Oobit’s core design choice, separating permission to pay from access to money, addresses a genuine structural problem in agentic AI commerce. As large language model platforms move from information retrieval into task execution, the question of how an AI agent interacts with financial accounts becomes a live compliance and consumer-protection issue. Unrestricted wallet access creates risks around unauthorised transactions, account takeover and liability attribution that neither banks nor regulators have fully resolved.

The one-time card model is not new in isolation. Virtual card infrastructure has been used in accounts-payable automation, B2B procurement and travel expense management for years. What Oobit is doing is applying that architecture to the consumer-facing AI agent context and running it on top of stablecoin settlement rather than traditional card rails. Whether the underlying settlement is genuinely on-chain or whether Oobit abstracts that into a fiat-equivalent flow for the merchant is not specified in the announcement.

Market context and regulatory read-across

Several payments and crypto firms are positioning for agentic commerce. Visa and Mastercard have both signalled interest in credentialing AI agents for payment execution, while a number of crypto-native firms are exploring stablecoin-based payment APIs for developer integration. Oobit’s differentiation appears to rest on its cross-border reach through local payment rails and its focus on users whose funds originate in digital assets rather than bank accounts.

The regulatory landscape is still forming. In the EU, the revised Payment Services Directive (PSD3) and the accompanying Payment Services Regulation will tighten requirements around delegated payment access and strong customer authentication, which is directly relevant to any model where a third-party agent initiates transactions. In the UK, the FCA‘s ongoing work on payments supervision similarly touches on authorised access and fraud liability. Oobit will need to demonstrate how its per-transaction approval model satisfies authentication standards across the jurisdictions it serves.

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