For decades, the model has been built around human clicks: a user searches, compares, chooses, and pays. But we are now entering the era of Agentic Commerce, where Artificial Intelligence—once merely a search assistant—is becoming an economic actor with real decision-making power.
By 2030, the agentic commerce market is expected to reach a value between $3 and $5 trillion. In this new ecosystem, AI agents don’t just anticipate needs; they negotiate and execute transactions autonomously.
Why is this shift critical for Latin America?
Latin America now faces the challenge of adapting its financial infrastructure to support AI agents.
“While Latin America is still working on digital inclusion, the global industry is already building secure rails for AI agents to execute transactions.”
Andrés Fontao, CEO of Finnosummit
For Fintech leaders across the region, this is not just another technology trend—it is a survival imperative. Platforms that fail to become agent-ready through robust APIs risk becoming invisible to the new gatekeepers of consumption: AI agents.
The pillars of Agentic Commerce: KYA and Agent Pay
The transition to an AI-agent economy requires a radically different trust infrastructure. Traditional KYC (Know Your Customer) is no longer enough. A new standard is emerging: KYA (Know Your Agent).
Programmable payments
Protocols like KYAPay by Skyfire enable AI agents to operate with verified identities and auditable spending limits—preventing uncontrolled or unauthorized transactions.
Global standards
Industry leaders such as Mastercard are defining the Agent Pay standard, establishing the authentication framework needed to make agent-driven transactions secure, scalable, and globally interoperable.
New revenue models
As AI replaces traditional advertising funnels, companies must explore new monetization strategies—such as real-time negotiation fees or contextual sponsorships embedded directly into AI-driven transactions.
Join the live debate at Conexión Fintech
Is Latin America ready to delegate financial decisions to algorithms?
How can banks and Fintechs across the region capitalize on a $5 trillion opportunity?
In the next edition of Conexión Fintech, we bring together the global leaders building this infrastructure today:
-
Guida Sousa, SVP Digital Payments, Mastercard LAC
-
Randall Davies, Head of Business, Skyfire
-
Hao Wang, Principal of Payment Product Management, Microsoft AI
Live session details:
📅 February 12
🕙 10:00 AM (CT)
🎙 Live session with audience Q&A