Tokenized deposits, digital money and machine settlement
AI agent coordination could interact with deposit tokens, stablecoins, wholesale CBDCs and programmable compliance, creating new settlement and interoperability requirements.
Executive question
Where do tokenized settlement assets intersect with genuinely autonomous financial workflows?
What to measure
- Settlement finality and reconciliation
- Exposure to digital-money intermediaries
- Liquidity and collateral in agent-mediated transactions
Relevant products and standards
Agent Payments Protocol: signed mandates that prove a customer authorized an agent's purchase. Created by Google (Sep 2025); donated to the FIDO Alliance with v0.2 on 28 Apr 2026.
Mastercard's agentic payments program using Agentic Tokens. Announced Apr 2025; enabled for US cardholders by late 2025; live test transactions with 17 Latin American issuers and processors (Mar 2026).
Relevant examples, not documented integrations, completeness, certification or endorsement. Listed alphabetically.
Evidence and current limits
Tokenization itself is not agentic; include only linked agent-led workflows.
Draft analysis, under editorial review.