What is an Agentic Token

An agentic token in payments is a type of digital token that can not only represent value (like money, points, or credit) but also carry the ability to act on behalf of the user according to predefined rules or permissions. Unlike a traditional payment token, which simply authorizes a transaction, an agentic token has built-in logic that enables it to make decisions, trigger actions, or interact with other systems automatically within trusted boundaries.

For example, instead of just being a secure representation of a credit card number, an agentic token might be programmed to:

• Pay a subscription only if the service was delivered.
• Split a payment automatically among multiple parties.
• Enforce spending limits or conditions (e.g., only for approved merchants).

Why an agentic token matters

• Automation: Reduces the need for manual approvals or checks.
• Control: Gives users and businesses fine-grained control over how funds are used.
• Efficiency: Streamlines processes like recurring payments, escrow, or revenue sharing.