# Revolut: Agentic commerce Source: https://www.bankingnewsai.com/fintech/revolut/agentic-commerce Last updated: Oct 22, 2026 *Part of the [Revolut AI strategy profile](https://www.bankingnewsai.com/fintech/revolut).* ## What is Revolut doing in agentic commerce? Revolut is working on agentic commerce from both sides of a payment: as the merchant acquirer behind Revolut Pay and as the issuer of cards an agent could use. On 19 January 2026 it said Revolut Pay had become one of the first EU payment methods compatible with Google's Agent Payments Protocol (AP2), through close collaboration with Google, and that it had contributed to AP2 by adapting its flows for account-to-account payments; it aims to make Revolut Pay a core payment rail for conversational AI commerce in the UK and EEA. In September 2026 Visa's test agent bought from software reseller Cleverbridge with a French Revolut card, authenticated with Visa Payment Passkey on Visa Intelligent Commerce, which Finextra reported as the first passkey-authenticated agentic card payment in France; the pilot was closed, with no consumer feature switched on. In October 2026 CEO Nik Storonsky said AIR, Revolut's in-app assistant, would soon browse the internet and sites such as Amazon to buy for customers, with card details kept inside Revolut's systems and UK testing from December. Until then the record shows narrower agency: AIR needs biometric approval for sensitive actions, Revolut's assistant terms say it cannot enter transactions, and Revolut X lets customers' own AI tools place crypto orders they approve. Revolut has not published agentic transaction volumes, merchants live on AP2, or how disputes over agent purchases would be handled. ([Revolut](https://www.revolut.com/news/revolut_to_enable_frictionless_checkout_across_all_agentic_commerce_platforms_for_the_uk_and_eea/), [Finextra](https://www.finextra.com/newsarticle/48364/visa-and-revolut-carry-out-passkey-based-agentic-payment-in-france), [Crowdfund Insider](https://www.crowdfundinsider.com/2026/09/308247-digital-bank-revolut-and-visa-complete-passkey-authenticated-agentic-payment-in-france), [Crowdfund Insider](https://www.crowdfundinsider.com/2026/10/317107-revolut-plans-to-compete-with-amex-and-jpmorgan-via-matching-benefits-and-agentic-ai/), [Revolut](https://www.revolut.com/blog/post/air-ai-by-revolut/), [Revolut](https://cdn.revolut.com/terms_and_conditions/pdf/revolut_s_ai_assistants_da1c5675_4.0.12_1782380747_en.pdf), [Revolut](https://www.revolut.com/cs-CZ/blog/post/revolut-x-connects-with-your-ai-assistant/)) ## What has Revolut done in agentic commerce so far? | Item | What happened | Date | Sources | | --- | --- | --- | --- | | Revolut Pay on AP2 | Revolut Pay becomes one of the first EU payment methods compatible with Google's Agent Payments Protocol, through close collaboration with Google; Google Cloud EMEA president Tara Brady quoted | 19 January 2026 | [Revolut](https://www.revolut.com/news/revolut_to_enable_frictionless_checkout_across_all_agentic_commerce_platforms_for_the_uk_and_eea/) | | Account-to-account flows | Revolut contributes directly to AP2 by adapting the protocol's flows specifically for account-to-account payments | 19 January 2026 | [Revolut](https://www.revolut.com/news/revolut_to_enable_frictionless_checkout_across_all_agentic_commerce_platforms_for_the_uk_and_eea/), [Finextra](https://www.finextra.com/newsarticle/47156/revolut-pay-gets-ready-for-agentic-commerce) | | How AP2 authorises agents | AP2 uses mandates, tamper-proof cryptographically signed digital contracts that record a user's instructions, for both human-present purchases and delegated tasks | 19 January 2026 | [Finextra](https://www.finextra.com/newsarticle/47156/revolut-pay-gets-ready-for-agentic-commerce) | | Agent-placed crypto orders | Revolut X customers can connect their preferred AI tool and place market and limit orders with plain-text prompts, reviewing and approving every order | 25 June 2026 | [Revolut](https://www.revolut.com/cs-CZ/blog/post/revolut-x-connects-with-your-ai-assistant/) | | Visa Agentic Ready | Revolut added to the issuers in Visa's European programme, which launched in March 2026 with more than twenty issuing partners | September 2026 | [Crowdfund Insider](https://www.crowdfundinsider.com/2026/09/308247-digital-bank-revolut-and-visa-complete-passkey-authenticated-agentic-payment-in-france) | | First passkey agentic card payment in France | Visa's test agent, My Agent, bought from Cleverbridge on a French consumer Revolut card, authenticated with Visa Payment Passkey and run on Visa Intelligent Commerce; announced 7 September | 9 September 2026 | [Finextra](https://www.finextra.com/newsarticle/48364/visa-and-revolut-carry-out-passkey-based-agentic-payment-in-france), [Crowdfund Insider](https://www.crowdfundinsider.com/2026/09/308247-digital-bank-revolut-and-visa-complete-passkey-authenticated-agentic-payment-in-france) | | Pilot status | The September test was closed: no consumer-facing feature had been switched on inside the Revolut app | 10 September 2026 | [Crowdfund Insider](https://www.crowdfundinsider.com/2026/09/308247-digital-bank-revolut-and-visa-complete-passkey-authenticated-agentic-payment-in-france) | | AIR as a shopping agent | Storonsky said AIR will soon complete purchases on the open internet and sites such as Amazon; testing scheduled to begin in December in the UK, then Europe | October 2026 | [Crowdfund Insider](https://www.crowdfundinsider.com/2026/10/317107-revolut-plans-to-compete-with-amex-and-jpmorgan-via-matching-benefits-and-agentic-ai/) | ## What controls has Revolut described for agent-initiated payments, and who carries the risk? | Item | What the record shows | Date | Sources | | --- | --- | --- | --- | | Card credentials | Storonsky said payment credentials remain entirely within Revolut's systems, so external merchants never see card details | October 2026 | [Crowdfund Insider](https://www.crowdfundinsider.com/2026/10/317107-revolut-plans-to-compete-with-amex-and-jpmorgan-via-matching-benefits-and-agentic-ai/) | | Tokenisation and spending rules | In the France test tokenisation replaced the card number, so the agent never handled raw card data; the agent required customer authorisation and followed user-set spending rules | September 2026 | [Crowdfund Insider](https://www.crowdfundinsider.com/2026/09/308247-digital-bank-revolut-and-visa-complete-passkey-authenticated-agentic-payment-in-france), [Finextra](https://www.finextra.com/newsarticle/48364/visa-and-revolut-carry-out-passkey-based-agentic-payment-in-france) | | Revolut Pay in agent checkouts | Transactions are handled on Revolut's infrastructure, including instant notifications and integrated fraud monitoring | 19 January 2026 | [Revolut](https://www.revolut.com/news/revolut_to_enable_frictionless_checkout_across_all_agentic_commerce_platforms_for_the_uk_and_eea/) | | AIR's limits today | Cannot perform sensitive actions without the customer's biometric approval and only accesses data the customer can already see | 9 April 2026 | [Revolut](https://www.revolut.com/blog/post/air-ai-by-revolut/) | | Assistant terms | The AI assistants cannot place, modify or cancel orders for financial instruments or take any action that results in a transaction | Version 4.0.12, retrieved 22 October 2026 | [Revolut](https://cdn.revolut.com/terms_and_conditions/pdf/revolut_s_ai_assistants_da1c5675_4.0.12_1782380747_en.pdf) | | Liability for third-party AI tools | For Revolut X, customers remain responsible for reviewing and approving orders, and Revolut says it is not liable for losses or erroneous trades from third-party AI tools | 25 June 2026 | [Revolut](https://www.revolut.com/cs-CZ/blog/post/revolut-x-connects-with-your-ai-assistant/) | ## How does Revolut frame agentic commerce, and what has it not disclosed? Revolut frames it as a payments business. "The future of shopping isn't a website; it's a conversation," Alex Codina, General Manager of Acquiring, said at the AP2 launch, adding that Revolut wants its payment experience to be the standard for AI-driven transactions; the release pitches agent checkout as a sales booster for Revolut Business merchants. ([Revolut](https://www.revolut.com/news/revolut_to_enable_frictionless_checkout_across_all_agentic_commerce_platforms_for_the_uk_and_eea/)) Storonsky said in October 2026 that over the next five years such automation could become widespread enough to change how digital services are delivered, with more emphasis on backend systems that agents query through APIs and protocols. ([Crowdfund Insider](https://www.crowdfundinsider.com/2026/10/317107-revolut-plans-to-compete-with-amex-and-jpmorgan-via-matching-benefits-and-agentic-ai/)) Inside the company, the 2025 annual report says Revolut is developing an agentic framework for rapid process automation using natural language, separate from the customer-facing work. ([Revolut](https://assets.revolut.com/pdf/annualreport2025.pdf)) What is not disclosed: agentic transaction volumes, which merchants accept Revolut Pay through AP2, whether the account-to-account flows Revolut designed are live, a launch date for AIR shopping beyond December testing, and how chargebacks or disputes on agent-made card purchases will be decided. ([Revolut](https://www.revolut.com/news/revolut_to_enable_frictionless_checkout_across_all_agentic_commerce_platforms_for_the_uk_and_eea/), [Crowdfund Insider](https://www.crowdfundinsider.com/2026/10/317107-revolut-plans-to-compete-with-amex-and-jpmorgan-via-matching-benefits-and-agentic-ai/), [Crowdfund Insider](https://www.crowdfundinsider.com/2026/09/308247-digital-bank-revolut-and-visa-complete-passkey-authenticated-agentic-payment-in-france)) ## What does the Revolut profile record on this topic? | Date | Move | Detail | Sources | | --- | --- | --- | --- | | Apr 9, 2026 | AIR launches in the UK | Revolut launches AIR (AI by Revolut), an in-app AI assistant for spending insight, investing, card controls and travel tasks, to UK customers; Julia Ponomareva, Partner and GM of CX and AI Products, calls it 'a co-pilot that elevates everyday life.' | [Revolut](https://www.revolut.com/news/revolut_enters_new_era_of_money_intelligence_with_launch_of_ai_assistant/) | | Mar 24, 2026 | FY2025 annual report published | Revolut releases its Annual Report for the year to 31 December 2025 alongside a results announcement dated 24 March 2026. Revenue reaches £4.5 billion (+46%), profit before tax £1.7 billion (+57%); the report discloses that Revolut's Gen AI-powered support chatbot, Assistant, resolved over 75% of customer support interactions by year end, and that AI-driven financial-crime review capacity rose roughly tenfold. | [Revolut](https://assets.revolut.com/pdf/annualreport2025.pdf), [Revolut](https://www.revolut.com/en-US/news/revolut_reports_record_profit_of_2_3bn_for_2025_as_revenue_surges_to_6bn/) | ## Common questions ### Can AI agents pay with Revolut Pay? Revolut says Revolut Pay became one of the first EU payment methods compatible with Google's Agent Payments Protocol on 19 January 2026, and that it adapted AP2's flows for account-to-account payments. It has not published which agents or merchants use it, or any agentic transaction volumes, since that announcement. ### What was the Revolut and Visa agentic payment in France? In September 2026 Visa's test agent, My Agent, bought from software reseller Cleverbridge with a French Revolut card, authenticated through Visa Payment Passkey on Visa Intelligent Commerce. Finextra reported it as France's first passkey-authenticated agentic card payment. Crowdfund Insider reported it was a closed test with no consumer feature switched on. ### Will Revolut's AIR assistant shop for customers? CEO Nik Storonsky said in October 2026 that AIR will soon browse the open internet and sites such as Amazon to complete purchases on a customer's behalf, keeping card details inside Revolut's systems. Testing was scheduled to begin in December in the UK before rolling out across Europe. ### Who is responsible if an AI agent makes a bad purchase with Revolut? Revolut has not said for card or Revolut Pay purchases. For its Revolut X crypto exchange, it says customers who connect a third-party AI tool remain responsible for reviewing and approving orders and that Revolut is not liable for resulting losses or erroneous trades. ## Deeper on Revolut - [How does Revolut use AI across its payment ecosystem?](https://www.bankingnewsai.com/fintech/revolut/payment-ecosystem-ai) - [What is Revolut's role in the digital payments transformation?](https://www.bankingnewsai.com/fintech/revolut/digital-payments-transformation) - [What is Revolut's AI strategy?](https://www.bankingnewsai.com/fintech/revolut/ai-strategy) - [What is Revolut's role in open finance and open banking?](https://www.bankingnewsai.com/fintech/revolut/open-finance) ## Same question, other companies - [Affirm: agentic commerce](https://www.bankingnewsai.com/fintech/affirm/agentic-commerce) - [Klarna: agentic commerce](https://www.bankingnewsai.com/fintech/klarna/agentic-commerce) - [PayPal: agentic commerce](https://www.bankingnewsai.com/fintech/paypal/agentic-commerce) - [Block: agentic commerce](https://www.bankingnewsai.com/fintech/block/agentic-commerce) - [Stripe: agentic commerce](https://www.bankingnewsai.com/fintech/stripe/agentic-commerce) - [Adyen: agentic commerce](https://www.bankingnewsai.com/fintech/adyen/agentic-commerce) - [Visa: agentic commerce](https://www.bankingnewsai.com/fintech/visa/agentic-commerce) - [Mastercard: agentic commerce](https://www.bankingnewsai.com/fintech/mastercard/agentic-commerce) - [Ramp: agentic commerce](https://www.bankingnewsai.com/fintech/ramp/agentic-commerce) - [Capital One: What is Capital One's virtual assistant and how does it compare with other banks'?](https://www.bankingnewsai.com/banks/capital-one/virtual-assistant) - [Amex: How is American Express preparing its payments network for AI agents?](https://www.bankingnewsai.com/banks/american-express/payments-ai) - [BofA: What is Erica, Bank of America's virtual assistant, and how big is it?](https://www.bankingnewsai.com/banks/bank-of-america/virtual-assistant) - [BankUnited: What virtual assistants does BankUnited use?](https://www.bankingnewsai.com/banks/bankunited/virtual-assistant) - [Barclays US: Does Barclays US Consumer Bank have a virtual assistant, and what does it do?](https://www.bankingnewsai.com/banks/barclays-us/virtual-assistant) - [Schwab: What is Charley, Charles Schwab's AI assistant?](https://www.bankingnewsai.com/banks/charles-schwab/virtual-assistant) - [Citizens: What is CiZi, and how is Citizens using AI assistants?](https://www.bankingnewsai.com/banks/citizens/virtual-assistant) - [Fifth Third: What is Jeanie, and how does Fifth Third use AI in its virtual assistant?](https://www.bankingnewsai.com/banks/fifth-third/virtual-assistant) - [Fifth Third: How does Fifth Third use AI in payments?](https://www.bankingnewsai.com/banks/fifth-third/payments-ai) - [Raymond James: What is Rai (Raimond), Raymond James' AI assistant?](https://www.bankingnewsai.com/banks/raymond-james/virtual-assistant) - [SoFi: What is SoFi Coach, and how does it work?](https://www.bankingnewsai.com/banks/sofi/virtual-assistant) - [TD: What AI virtual assistants does TD Bank use?](https://www.bankingnewsai.com/banks/td-bank-us/virtual-assistant) - [Truist: What is Truist Assist, and how much is it used?](https://www.bankingnewsai.com/banks/truist/virtual-assistant) - [U.S. Bank: What is the U.S. Bank Smart Assistant?](https://www.bankingnewsai.com/banks/us-bancorp/virtual-assistant) - [USAA: What virtual assistants and AI service tools does USAA use?](https://www.bankingnewsai.com/banks/usaa/virtual-assistant) - [Wells Fargo: What is Fargo, Wells Fargo's virtual assistant, and how does it work?](https://www.bankingnewsai.com/banks/wells-fargo/virtual-assistant) --- Canonical page: https://www.bankingnewsai.com/fintech/revolut/agentic-commerce Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (43 authorities, 244 documents) and AI-strategy profiles of the 120 largest US banks. 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