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Fintech/Payments·Spring 2026
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Allowance

Scoped payment credentials for AI agents

Overview

One-liner
Scoped payment credentials for AI agents

Why it's interesting

Market trends shaping Allowance

  • 1Stablecoin settlement moving from crypto-native to mainstream B2B
  • 2Account-to-account (Pay by Bank) gaining share from cards in checkout
  • 3Embedded payments becoming table stakes for vertical SaaS
  • 4Cross-border B2B the largest underserved opportunity, $250T flow
  • 5Fraud and KYC tooling rebuilt for AI-generated identity attacks
  • 6Card-issuing platforms consolidating; Marqeta vs. Stripe vs. challengers
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