Visa recently announced new AI, stablecoin, and token capabilities to enhance commerce across the CEMEA region. Tareq Muhmood, Regional President, emphasized that commerce is evolving to be more intelligent and embedded in daily experiences, thus requiring trust and interoperability.

**AI in Commerce:** Visa is leveraging AI to improve transaction initiation, authorization, and trust through its Visa Intelligent Commerce platform. A new Agent Score will help merchants assess their readiness for AI-driven transactions, while the Agentic Directory provides a list of verified agents and merchants for secure interactions.

**Tokens for E-Commerce Growth:** Visa reported significant growth in tokenized transactions, from 26% in 2023 to 70% by 2026, by enhancing token data for better transaction context and introducing a token assurance signal to ensure trustworthiness throughout a token’s lifecycle.

**Stablecoins in Money Movement:** Visa is advancing its stablecoin settlement capabilities, with a significant increase in settlement volumes. The introduction of Tokenized Deposits will allow banks to manage traditional deposits as programmable digital money. Visa’s expanding stablecoin-linked card programs aim to facilitate spending across diverse merchants.

**AI for Insights:** Visa is also utilizing AI to improve decision-making across the payment journey, including a new travel intelligence capability to better understand customer needs before transactions.