A single, immutable system of record. Live balance, live state, one auditable source of truth across markets. AI needs current data. Batch-updated ledgers give it yesterday's picture.
The shift that makes this urgent
Cards are no longer the end product.
They're one interface among many: digital wallets, tokenised credentials, embedded flows, and increasingly, software agents acting on behalf of people and businesses.
Mastercard has launched its agentic commerce framework. Visa is building equivalent infrastructure. Both are designing systems where AI agents discover, negotiate, and pay — using tokens, dynamic credentials, and programmable instruments. Not concepts. Live programmes.
That changes what processing infrastructure has to do. Decisions need to happen in milliseconds, at volumes no human team can supervise, under regulators tightening expectations through the EU AI Act and ISO 42001.
Most processors weren't built for that. Thredd was rebuilt for what comes next.
What AI-first means
AI-first means the platform was built from the ledger up, so that AI-driven and agent-led capabilities can be introduced safely, incrementally, and under your control.
In payments, "AI" has become the word you put in front of everything to sound modern. AI-enabled. AI-powered. AI-driven. In most cases, a model has been bolted onto legacy infrastructure and a marketing team has updated the website.
What it doesn't mean
- Your rules get replaced by black-box decisions
- Programmes are forced to change how they run
- Re-integration is required
- You pay for capabilities you didn't ask for
What is live in production today
AI in fraud monitoring
Real-time models analyse transaction patterns and flag anomalies within the deterministic guardrails each programme has configured. Designed to reduce false positives while protecting approval rates. No black boxes. No overrides.
AI in credit decisioning
AI-informed risk assessment at the point of authorisation — faster, more accurate credit decisions within rules the client sets. AI augments the decision. It doesn't replace it.
Faster change, less risk
AI-assisted development is improving code quality and shortening delivery cycles. What that means for you: safer releases and faster time-to-value for new features, scheme changes, and controls.
Why this only works on a platform built for it
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Every transaction is an event that can be scored, acted on, and explained. AI plugs in at defined decision points without disrupting programme logic.
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Decision points where your rules and models plug in. Configure per programme. Introduce AI incrementally where it adds value.
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Every decision is traceable, auditable, and defensible — built in from the architecture up, not bolted on for compliance.
Agentic commerce isn't coming, it's here.
Mastercard and Visa are both building systems where software agents discover, negotiate, and pay on behalf of consumers and businesses.
These agents don't swipe cards. They use tokens, dynamic credentials, and programmable instruments.
Our platform is built to move with the schemes
Token-native
75m+ wallet tokens generated to date. Native support for agent-led patterns including Visa Trusted Agent Protocol and equivalent Mastercard constructs.
Scheme-aligned
First to market with Mastercard Dynamic Interchange and Visa Cloud Connect. Agent-initiated instruments connect to the same event-driven pipeline that processes today's card transactions.
Agent-safe rails
Every agent is a first-class participant with its own limits, controls, velocity checks, and audit trail. Agents generate intents that must pass your controls and our ledger. They cannot move money directly.
We are building toward full agentic commerce readiness as scheme infrastructure matures.
The architectural foundations are already in place.
The infrastructure for what payments are becoming
Whether you are launching your first card programme or scaling across markets, talk to our team about how the platform is built for where payments are heading.
