• Oobit launched Agent Cards in 2026, giving each AI agent its own programmable corporate card with finance-controlled spend limits.
• McKinsey reports 23% of organizations already scale agentic AI in production, exposing a gap in existing fintech infrastructure.
• Onboarding for Agent Cards opens to additional KYB-verified businesses through Q2 2026, with Tether backing the issuing infrastructure.

The product arrives as AI agents move from pilot programs into production environments across U.S. companies. Oobit says that according to McKinsey’s 2025 State of AI report, 23% of organizations are already scaling agentic systems in production, with another 39% running active experiments.

Oobit’s announcement release notes that most of those agents are spending money using shared corporate cards or virtual cards built for human cardholders, leaving finance teams with no clear audit trail and no per-agent controls.

Image source: X.

Oobit is a crypto payments platform backed by Tether, the stablecoin issuer with $189 billion in circulation. The company built Agent Cards on its existing infrastructure, which covers 150 million merchants across more than 100 countries.

Each AI agent receives its own programmable card. Finance teams set spend limits, merchant category restrictions, and hard caps. Those rules are enforced server-side at the transaction layer. Every charge and every decline generates a structured, human-readable reason that appears in the same Oobit dashboard finance teams use to manage employee spending.

The cards work with any agent framework and take under three minutes to set up.

“Every other company trying to give AI agents spending power is duct-taping fintech built for humans onto software that doesn’t behave like one,” Amram Adar, CEO of Oobit remarked. The Oobit executive added:

“Agent Cards is the first time someone has asked the actual question. If you were designing a corporate card from scratch in 2026, knowing the cardholder was going to be software, what would it look like? This is what it looks like.”

The problem Oobit is targeting is straightforward. AI agents operate continuously and make hundreds of decisions per minute. Standard virtual card APIs and expense platforms assume a human cardholder who can be assigned a charge or click an approval button. Shared cards issued for human employees have become a quiet workaround, producing reconciliation problems at month-end that finance teams are increasingly unable to solve with existing tools.

Agent Cards treats each agent as a first-class spender, with its own card, its own controls, and its own spend record, the announcement notes.

Furthermore, cards are funded directly from a company’s Oobit stablecoin treasury, removing the banking delays and foreign exchange overhead associated with traditional virtual card programs. The product is restricted to KYB-verified businesses, with compliance enforced at onboarding.

Onboarding is currently open to a limited group of businesses through the second quarter of 2026.

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