Agentic Commerce

The bank-owned commerce agent

Agents are browsing and paying on behalf of your customers.
Make sure those agents are yours.

What Is Agentic Commerce?

From “search & click” to “goal & execute”

Traditional e-commerce relies on customers sifting through filters and multi-step forms. Agentic commerce eliminates this friction by evaluating context, applying budget constraints, and settling payments instantly.

The Agentic Value Loop 1 2 3 4 5 6

Understanding intent is table stakes.

What really drives value in the Agentic Value Loop is an intelligence layer that goes beyond customer profiles to understanding real intent, needs, goals and behaviors.

1. Customer Intent

What am I trying to accomplish?

2. Permissioned Context

What may the system use to help me?

3. Value Orchestration

What combination of payment, loyalty, merchant and partner value creates the best outcome?

4. Payment

What credential should fund this transaction?

5. Loyalty

What benefit or progress did the customer receive?

6. Learning

What did we learn — with permission — that improves the next experience?

THE LANDSCAPE

Moving from carts to conversations: How agents will claim 25% of U.S. e-commerce.

Bain & Company projects that agentic AI could account for 15% to 25% of the total U.S. e-commerce market by 2030. Google and OpenAI are already racing to embed agents into search, browsing and checkout.

Search engine Active agent
15–25% OF U.S. E-COMMERCE BY 2030
15% · conservative
25% · upper bound

Source: Bain & Company

Technology giants are pivoting from search engines to active agents.

Developing agents that browse and interact with apps on the user's behalf.

Integrating checkout capabilities directly into Gemini.

Leveraging on-device intelligence for virtual assisstant shopping.

Introducing standardized rules and frameworks that define how agents handle transactions.

IMPACT ON BANKS

The threat of disintermediation.

Loss of the primary interface

External agents capture attention and loyalty; the bank is relegated to a backend ledger utility.

Decay of behavioural signals

No presence during discovery means no real-time context for risk and credit decisions.

Someone else owns upstream intent

Whoever runs the agent sees purchase intent before checkout — and can lend and advise on it first.

Commoditized core products

With no owned co-pilot guiding everyday spend, deposits and cards become interchangeable.

From top of wallet, to top of intent.

The future of card primacy may depend less on whether a customer remembers to use a card, and more on whether an agentic system understands the total value that card can create for them.

Learn more

Which physical card does the customer reach for?

Top of Wallet

Which credential is stored and defaulted?

Top of Digital Wallet

Which payment instrument does the customer's AI choose?

Top of Agent

How does the bank earn the right to fund the next intention?

Top of Intent

Our Solution

More than a commerce agent, an intent engine.

Delivering the architecture, scope and strategic profile of an agent the bank owns end-to-end.

Embedded & On-Domain

Operates natively within existing mobile banking apps with zero workflow redirection.

Goal Based Discovery

Translates complex multi-step instructions into curated merchant and product selections.

Network Compliant Security

Built as a registered agent leveraging network agentic rules and tokenization platform.

Verified Intent

Mechanisms built to ensure compliance with user defined product and budget mandates.

Trusted

The agent can explain its reasoning for user-intent matches to ensure user trust.

Watch the video
The Experience

Shop-for-me, in one conversation.

Nine requirements, three options, one purchase — with tax, shipping and a delivery date confirmed inside the bank's own app. No filters, no forms, no redirect.

The story, in four chapters
  1. Intent captured

    Nine plain-language requirements become one structured intent.

  2. Search + recommend

    Three options, ranked against every requirement.

  3. Verified intent

    One instruction from the customer, confirmed — nothing inferred.

  4. Tokenized purchase

    Network-compliant, total shown with tax and shipping.

Agents at work
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Customer: I need to buy some sunblock
Agent asks for specifications
Customer lists nine requirements
Agent recalls the upcoming beach trip
Customer confirms: yes
Agent presents the top matches
Recommended sunscreen option 1Recommended sunscreen option 2Recommended sunscreen option 3
Customer adds a further requirement
Agent re-runs the search on the new constraint
Recommended sunscreen option 1Recommended sunscreen option 2Recommended sunscreen option 3
Agent asks for a face scan to verify identity
Face scan verification
Order confirmation with total, tax and delivery estimate
Agent offers to help with anything else
Under the Hood

The Intent Vault: how the system is built.

A multi-agent system orchestrates every conversation in real time. A scheduled pipeline then structures what was said into intent — the analytical IP that compounds with every session.

Standardizing Communication

The protocol race: five standards, four layers of the stack.

Every major platform is publishing its own rules for how an agent talks to apps, proves who it acts for, reaches data and pays. Flybits builds on the open ones — and is registered on the payment layer.

Interaction

How an agent talks to apps

ACPAgentic Commerce Protocol
Identity

How an agent acts on a customer's accounts

UCPUniversal Commerce ProtocolFlybits integrated · account linking
Context & data

How models reach external data

MCPModel Context ProtocolFlybits integrated · merchant data
Payment

How an agent pays on a user's behalf

MAPMastercard Agent PayFlybits registered · approved commerce agent
VICVisa Intelligent Commerce
Flybits builds on it
Tracked
Get Started

Launch your commerce agent quickly.

The Flybits Commerce Agent is a ready to deploy agentic commerce platform that can be branded to create a bank native agentic experience.

The Flybits Agent is ready to deploy and has been built to be compliant with network agentic commerce frameworks. The Agent has been designed to create trust with users through transparent and explainable intent matches.

Client Interface

Pre-trained Large Language Model specialized in interpretation of complex shopper intent requests.

Context & Orchestration

Packages and anonymizes intent data for submission to respective networks to release secure agentic tokens.

In-Agent Payment Execution

Handles cart assembly, loyalty redemptions, and tokenized checkout directly inside the conversation.

Data Sovereignty

Retains 100% of customer behavioral signals, brand affinity, and transaction data within your enterprise ecosystem.

Contact us

Ready to put a bank-owned agent in front of your customers?

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