# Visa Intelligent Commerce

Agent tokens, passkey-authenticated payment instructions and commerce signals.

Cohorts: Mm + Fi

**Designed.** Protocol support is designed. The flow follows the protocol's published specification, with insimbi on the merchant side. Every check and every settlement is written to the record.

**Visa Intelligent Commerce.** Designed. Agent tokens, passkey-authenticated payment instructions and commerce signals.

Lanes: User, Agent, Visa, Merchant, insimbi

1. Agent to Visa: Enrol the card: an agent-specific token, cardholder step-up and a passkey
2. Agent to User: Recommend a purchase and ask to make it
3. User to Agent: Authenticate the payment instruction with the passkey
4. Agent to Visa: Submit the instruction and request payment credentials
5. Visa to Agent: Credentials that match the instruction
6. Agent to Merchant: Check out with the agent token
7. Merchant to insimbi: Authorize
8. insimbi to Visa: Authorization through the network, which checks merchant and amount against the instruction
9. Visa to insimbi: Result
10. insimbi to Merchant: Result, written to the record
11. Agent to Visa: Share the purchase outcome as commerce signals

- [All flows](/docs/flows/): Every sequence diagram, linked to its section.
- [Integrations](/integrations/#protocols): Every agent protocol and rail we connect.
- [MCP tools](/docs/mcp/): insimbi as tools for any MCP client.

Request access: sales@insimbi.net

_insimbi is in early access with design partners._