Oobit launches AI Payments with one-time cards for stablecoin spending across 75+ countries

Singapore-based Oobit has launched Oobit AI Payments, a product that lets users authorize AI assistants to make purchases using stablecoins without handing over the underlying wallet balance or primary payment credentials. For PSPs and merchants looking at agentic commerce, the point is simple: permission to pay is being split from access to funds.

1. Oobit says the flow works through ephemeral card issuance. When a user asks an AI assistant to book, buy, or pay for something, the assistant flags the transaction for approval. After the user confirms, Oobit generates a one-time virtual card tied only to that transaction, so the AI gets the details needed to complete checkout but never sees the broader account.
2. The company handles identity verification, authorisation, and payment execution in the background. In other words, the AI is not being given free rein over a wallet; it is being given a narrow payment credential for a single purchase, which is the part banks and compliance teams actually care about.
3. Oobit AI Payments supports USDT and other stablecoins. Users in supported markets can also fund their Oobit balance through local payment rails, including bank transfers, mobile money networks, and Brazil’s Pix instant payment system. Oobit says the solution is available across more than 75 countries.
4. Amram Adar, co-founder and CEO of Oobit, framed the product as closing the gap between AI that can decide what to buy and AI that can actually pay. “AI can already understand what you want and figure out how to get it,” he said. “The missing piece is the ability to pay. That shouldn’t depend on where you live or which bank card you have.”
5. The structure is familiar to anyone who has seen virtual cards in accounts payable, B2B procurement, or travel expense management. The new wrinkle is the consumer AI agent context, plus stablecoin settlement rather than traditional card rails. Oobit did not specify whether settlement is truly on-chain or abstracted into a fiat-equivalent flow for the merchant.

For high-risk operators, the detail to watch is not the AI branding; it is the control model. Visa and Mastercard have both signaled interest in credentialing AI agents for payment execution, and several crypto-native firms are building stablecoin payment APIs. Oobit is pitching a version of that stack aimed at cross-border users whose funds originate in digital assets, with local funding rails bolted on where available.