With cross-border payments, on-chain transactions, and the entry of mainstream financial institutions, stablecoins are accelerating their transition from a “niche” to a mainstream payment system, while the rise of AI agents is making machine-driven autonomous spending a reality for the first time. In the past, crypto finance, global payments, and corporate fund management have long been fragmented: on-chain assets struggled to support real-world spending scenarios, corporate cross-border cash flows were complex and inefficient, and AI agents lacked controllable and secure payment capabilities.

As a leading global stablecoin infrastructure platform, Interlace enables stablecoins to truly transition from "on-chain assets" to "everyday payments" by building a global payment network and stablecoin infrastructure, allowing digital assets to move seamlessly within the traditional financial world and enhancing corporate cash flow efficiency and scope. By integrating stablecoin payments, corporate digital banking, corporate asset management, virtual card issuance, and AI-powered payment capabilities into a unified infrastructure, Interlace has constructed a global financial network connecting traditional and crypto finance.

In 2026, Interlace expanded its AI payment and stablecoin spending use cases by launching two new products: Agent Card and Scan to Pay. Moving forward, Interlace will continue to invest in Agentic Payment and stablecoin infrastructure, enhancing its enterprise-grade financial infrastructure capabilities to effectively respond to the new global competitive landscape.

1. Next-generation payment network

As AI agents and stablecoin payments rapidly advance, payment systems are evolving from traditional card networks into a new type of payment network encompassing intelligent agents, on-chain funds, and global real-time settlement.

On one hand, an increasing number of AI companies are beginning to enable agents to autonomously call APIs, procure cloud resources, and manage automated workflows; on the other hand, stablecoins are gradually moving from on-chain assets into real-world consumption scenarios.

Interlace is building payment infrastructure better suited for next-generation business models around agentic payments and stablecoin payments.

Assign dedicated virtual cards: Allocate independent virtual cards to each AI Agent, supporting Visa/Mastercard networks for payments across multiple scenarios such as cloud service subscriptions, advertising spend, API calls, travel, and procurement.

Spending limits and risk control: Support fine-grained spending restrictions based on time, amount, and merchant category, with instant fund allocation to ensure Agents operate within predefined rules and effectively mitigate payment risks.

Developer-friendly: With Interlace Agent Card Skills, integrate payment capabilities into Claude, ChatGPT, or your custom Agent framework without writing complex integration code or building payment workflows.

Adapted for AI-native workflows: Supports AI Agents to automatically complete SaaS renewals, cloud resource procurement, service calls, and task execution, extending the payment system from serving users to serving Agents.

Currently, stablecoins are transitioning from being a medium of exchange to becoming part of real-world consumption systems. In particular, in cross-border travel, digital service spending, and global merchant scenarios, stablecoins are gradually shifting from being held assets to everyday payment tools.

Interlace's Scan to Pay provides local QR code payment capabilities for exchanges, wallets, OTC desks, and other financial institutions, enabling them to quickly integrate into consumer environments and offline payment networks in emerging markets such as Southeast Asia, Latin America, and Africa, bringing on-chain assets into everyday commercial use.

Stablecoin QR Code Payment: Users can scan local QR codes to pay with USDT or USDC, while merchants receive payment in local fiat currency, with Interlace automatically handling fund conversion and settlement.

Supports a wide range of payment scenarios: covering low-value, high-frequency offline use cases such as retail, dining, and transportation, while also accommodating complex needs like e-commerce, cross-border trade, and B2B large-value payments.

Seamless payment experience: Interlace abstracts the backend exchange and settlement processes, allowing users to complete payments without understanding complex on-chain operations, delivering a payment experience closer to Web2.

Connect multiple payment networks: Leveraging the Interlace CaaS (Card as a Service) infrastructure, integrate wallets, merchants, and card payment networks to enable seamless cross-border payments.

Enterprise-grade compliance capabilities: Integrated AML, KYC, and KYB compliance systems, with support for enterprise-level payment risk management and transaction monitoring.

2. Stablecoin payments and card issuance capabilities

As businesses accelerate their global operations, payments are no longer just a simple tool for making transactions, but are increasingly becoming a vital component of operational efficiency and global fund management.

Interlace builds an integrated card payment system covering corporate card issuance, employee spending, brand payments, and API capabilities, designed for enterprise expense management and global payment scenarios.

The Infinity Card combines global payment capabilities with enterprise spending management, helping businesses manage global operational expenses more efficiently.

Fast card issuance: Enables businesses to quickly activate virtual or physical cards, with flexible configuration of card permissions and limits for different teams, employees, or business scenarios.

Multiple deposit options: Direct connection to corporate bank accounts for smoother fund transfers; supports fiat and stablecoin deposits, offering Web3 users more flexible payment methods.

Real-time expense management: Companies can view account transactions, team spending, and card usage in real time; employees no longer need to manually submit reimbursement receipts, enhancing financial transparency and funding management efficiency.

Flexible budgeting and risk control: Supports quota management, merchant restrictions, spending rule configuration, and multi-dimensional risk management to help businesses achieve more granular expenditure control.

Global payment experience: Supports linking Apple Pay and Google Wallet, with coverage across global payment scenarios via the Visa/Mastercard network; physical card supports ATM withdrawals.

Covering global consumption scenarios: Supports payment use cases such as advertising spend, SaaS subscriptions, cloud services, travel, logistics, and e-commerce procurement, both online and offline, meeting the daily operational needs of global enterprises.

Interlace CaaS enables enterprises to quickly build global card issuance capabilities and directly integrate card payment functionality into their products and services.

Quickly integrate the card issuance API: Enterprises and platforms can rapidly issue virtual and physical cards via API, supporting bulk card issuance and covering various scenarios such as corporate payments, employee spending, and cross-border transactions.

Branded card issuance capability: Supports customization of brand logos, exclusive card designs, and card systems, with 30+ card BINs covering diverse regions, spending scenarios, and card type requirements.

Global payment network: Built on the Visa/Mastercard network, supporting online and offline spending, multi-currency payments, ATM withdrawals, and integration with Apple Pay and Google Wallet.

Support cryptocurrency spending: Accept fiat or cryptocurrency deposits and use them directly for everyday purchases, helping Web3 platforms naturally connect digital assets with real-world payment scenarios.

Developer-friendly: Offers standardized APIs, comprehensive technical documentation, and end-to-end technical support, enabling integration and go-live in as little as 14 days.

For wallets, trading platforms, cross-border businesses, and global enterprises, financial capabilities are no longer just payment tools—they are increasingly becoming part of the product experience and user growth.

Interlace's Infinity Launch enables businesses to quickly build their own branded financial systems without complex technical development, unifying accounts, card issuance, crypto wallets, and payment capabilities into a single platform.

Rapidly launch brand financial capabilities: Enable enterprises to quickly configure their brand logo, visual style, and functional modules without complex API development—launch your dedicated financial platform in as little as 3 days.

Modular financial suite: supports on-demand combination of Business Account, Infinity Card, Crypto Wallet, On/Off Ramp, and API capabilities.

Branded financial experience: Enterprises can create customized branded accounts, payment cards, and fund management systems to provide users with a more unified financial service experience.

No need to build complex financial systems yourself: Interlace provides the underlying financial infrastructure to help businesses lower technical and compliance barriers and accelerate global expansion.

3. Corporate Accounts and Banking Capabilities: Efficient Global Fund Transfers

As businesses expand globally and cross-border operations grow, their needs for accounts, payments, and fund management are evolving from single-bank accounts to comprehensive global fund systems covering multiple currencies, markets, and entities.

Interlace enables enterprise accounts and bank capabilities to be API-driven, helping global teams and Web3 projects efficiently manage multi-currency, multi-market, and multi-entity global cash flows.

Unified Account Management: Supports online rapid setup of multi-currency corporate accounts in USD, EUR, GBP, HKD, and more, allowing entities from multiple countries and regions to open corporate accounts under the same name and centrally manage global cash flows.

Global payment and collection capabilities: Support for over 40 fiat currencies across 180+ countries and regions, along with global fund distribution, channel agent commissions, and logistics and advertising fee payments.

Enterprise-grade fund management experience: Enables businesses to view accounts, cash flows, payment records, and settlement status all on a single platform, reducing the need to switch between multiple platforms and simplifying reconciliation processes.

For cross-border businesses, global teams, and Web3 projects, fund management is evolving from fragmented tools toward unified platform management.

Interlace APIs global account, payment, and fund transfer capabilities, enabling businesses to quickly gain cross-border banking capabilities without building complex financial systems themselves.

Multi-currency account globally: Support rapid setup of multi-currency business accounts via API, covering major currencies such as USD, EUR, GBP, HKD, and more to meet global payment and collection needs.

Global payment network integration: Connects SWIFT, ACH, and local real-time payment networks to enable international remittances, local transfers, and global fund distribution, supporting use cases such as cross-border corporate settlements, supplier payments, commission disbursements, and operational expenses.

Local payment capabilities: Integrate with local banking networks in different countries and regions to help businesses reduce cross-border payment costs and improve fund settlement efficiency.

Embedded banking capabilities: Businesses and platforms can directly integrate account, payment, and fund management functionalities into their own products to create a more comprehensive financial services experience.

Enterprise-grade compliance system: Integrates KYC, KYB, AML, and transaction monitoring capabilities, with support for flexible identity verification processes to meet global regulatory requirements.

For cross-border e-commerce, globalized SaaS, platform-based businesses, and Web3 companies, banking services are evolving from traditional financial institutions into foundational capabilities that can be quickly accessed and flexibly combined.

4Blockchain Financial Infrastructure and Compliance Assurance

One of Interlace's core businesses is building a seamless bridge between traditional finance and crypto assets. For enterprises, the real challenge is not owning crypto assets, but how to enter the global financial system securely and compliantly.

Fiat-to-crypto exchange: Supports conversion between fiat currencies such as USD, EUR, and GBP, and major cryptocurrencies like BTC, ETH, USDT, and USDC, enabling businesses to seamlessly convert between on-chain and off-chain funds.

On-chain and off-chain fund transfers: Enables enterprises to centrally manage digital assets and fiat funds, streamlining cross-border payments, stablecoin settlements, and global fund allocation processes.

Spend cryptocurrency directly: Connect seamlessly with the Interlace Infinity Card to use crypto for online and offline payments and everyday spending, further bridging on-chain assets with real-world payment scenarios.

Enterprise-grade crypto account capabilities: Provides crypto accounts and fund management solutions for businesses, enabling Web3 companies, global teams, and cross-border operations to manage daily payments and asset holdings.

As stablecoins gradually enter mainstream commercial scenarios, security and compliance capabilities are becoming central to infrastructure competition.

Highest security standards: Interlace complies with PCI DSS Level-1 security certification and employs MPC wallet technology to fully safeguard digital assets.

Automated risk control system: integrated KYT (Know Your Transaction) automated risk management, comprehensive KYC (Know Your Customer) system, AML anti-money laundering, and real-time transaction monitoring.

Global compliance strategy: Holds financial licenses in the United States, Canada, Hong Kong, and other regions, and continues to expand its global licensing footprint.

5Asset Management and Integrated Financial Ecosystem

As the global funds network gradually moves on-chain, enterprises' demand for financial infrastructure is evolving from standalone payment tools to an integrated system encompassing fund storage, spending, transfer, and yield management. Previously fragmented banking accounts, payment systems, stablecoin wallets, and card issuance capabilities are increasingly being unified into a single global funds network.

Interlace is building financial infrastructure better suited for global enterprises and next-generation internet business models, centered around corporate treasury management and an integrated financial ecosystem.

As corporate funds become increasingly globalized and on-chain, they are no longer just stored in accounts or wallets but are also taking on multiple roles such as liquidity management, spending, and yield generation. Interlace is addressing corporate fund efficiency by launching the Yield Treasury product, helping businesses build more flexible treasury capabilities.

Put idle funds to work: Enable enterprise accounts to participate in wealth management, with yields of up to 4%, helping businesses improve capital efficiency.

Unified fund management: Enterprises can manage fiat currency, stablecoins, and investment accounts on a single platform, reducing the complexity of cross-platform fund allocation.

Real-time fund allocation: Enables enterprises to flexibly allocate funds according to payment, procurement, and operational needs, simultaneously optimizing fund utilization and yield management.

An increasing number of global enterprises are now managing both on-chain and off-chain assets simultaneously, and treasury management is evolving from static accounts to dynamic capital networks. Interlace Yield Treasury enables every unit of capital to continuously generate value as it flows.

In the past, businesses often had to integrate with banks, payment institutions, exchanges, wallets, and card issuers simultaneously, resulting in complex and fragmented fund pathways. Interlace connects diverse funding scenarios across a business’s global operations through a unified financial infrastructure.

Unified Accounts and Simplified Reconciliation: Deeply integrate global enterprise accounts, multi-currency receipts and payments, stablecoin transfers, and card issuance capabilities to eliminate platform switching and minimize accounting and financial costs.

Full-scenario API capabilities: Provide a comprehensive set of standardized APIs for acquiring, issuing, wallets, and fund management, enabling enterprises and platforms to integrate quickly without building complex underlying financial systems.

Mature global services: Leveraging this infrastructure, Interlace's operations span over 180 countries and regions, with more than 7 million cards issued, serving over 12,000 enterprises and boasting more than 160 active API customers, fully empowering AI companies, Web3 teams, global SaaS platforms, and cross-border e-commerce.

As AI agents and stablecoin payments rapidly advance, an increasing number of transactions in the future will occur between AI agents and services, on-chain and off-chain, and within global real-time payment networks.

Payment systems are also evolving from traditional card networks into a new financial infrastructure encompassing stablecoins, smart agents, global settlement, and programmable cash flows.

For AI companies, Web3 teams, and global enterprises, the focus is no longer just on payments themselves, but on:

Can an AI agent consume safely?

Can stablecoins be used in real-world commercial scenarios?

Can enterprises centrally manage on-chain and off-chain funds?

But the long-awaited mass adoption in the crypto industry may not arrive in a more complex form. Instead, it is more likely to gradually integrate into the global business network in a more natural, seamless, and even invisible way.

From Agent Card and Scan to Pay, to global card issuance, stablecoin deposits and withdrawals, and API-driven financial capabilities, Interlace is connecting bank accounts, payment systems, and on-chain asset networks to build the infrastructure layer underlying this new financial system.

About Interlace

Interlace is a leading global stablecoin infrastructure platform, providing integrated capabilities such as account management, card issuance, fund transfer, and payment network connectivity for Web3 ecosystems, trading platforms, cross-border enterprises, AI projects, and more. Currently, Interlace operates in over 180 countries and regions worldwide, with more than 7 million cards issued and transaction volume exceeding $15 billion. It holds financial licenses in the United States, Hong Kong, Canada, and other regions, along with PCI DSS Level 1—the highest security certification in the payments industry—continuously building a secure, compliant, and efficient payment infrastructure for cross-border, cross-currency, and cross-financial-system transactions.

For more information, visit:www.interlace.money.