XDC Network: AI Agents Could Disrupt Invoicing and Card Payment Flows

Enterprise-grade blockchain network XDC said in its latest report that the proliferation of AI agents could reshape traditional invoice processing and card payment flows. According to its analysis, AI agents—capable of autonomously initiating transactions, reconciling accounts, and settling payments—could compress existing B2B payment cycles from days to minutes, while reducing operational costs. XDC noted that current payment infrastructure, built on manual review and static rules, is ill-suited to the high-frequency, real-time demands of machine-to-machine (M2M) payments. Its network already supports tokenized invoices and smart-contract-based automatic settlement, and it plans to expand support for AI-agent payment scenarios, including programmable authorization intents and pre-settlement compliance checks. The company emphasized that AI-agent payments must address identity verification, authorization boundaries, and anti-money laundering (AML) compliance, recommending that the industry adopt a 'Know Your Agent' (KYA) framework to distinguish agent permissions from human authorization. XDC's statement echoes recent moves by payment giants into agentic payments, though it did not disclose specific partners or a launch timeline.