AI agents may initiate 5% of cross-border payments
Start here
AI-assisted source synthesis · not an independent investigation.
On November 3, 2026, Mural co-founder and CEO Sinclair Toffa predicted that AI agents could initiate 5% of cross-border payment transactions next year. Toffa pointed out that financial software supporting these types of payments needs to have dedicated accounts, granular permissions, and transaction-by-transaction audit records. Regarding whether companies can confidently authorize software to make payments independently, PYMNTS CEO Karen Webster said that trust and the allocation of responsibility remain unclear; the report did not specify what progress has been made on the relevant mechanisms. Therefore, the proportion of cross-border payments initiated by AI agents is currently still a prediction, and the issues of authorization and responsibility remain unresolved.
AI-written from reports · updated 2 hours ago
Timeline
Follow the reporting to see the different sides of the story.
- PYMNTSMural CEO predicts AI agents may initiate 5% of cross-border payments next year, with control ownership still unclear
Mural co-founder and CEO Sinclair Toffa predicted that AI agents may initiate 5% of cross-border payment transactions next year. Toffa said the financial software involved needs to support dedicated accounts, granular permissions and transaction-by-transaction audit records; PYMNTS CEO Karen Webster, meanwhile, raised that trust and accountability remain unclear, with whether businesses can confidently authorize software to make payments independently still a key question.
Heat over time
Not enough consecutive observations yet to draw a trend.