Sunrate, the global payment and treasury management platform, has announced the launch of Sunrate Agentic Card during Hong Kong FinTech Week 2026, a programmable, multi-currency virtual commercial card designed for AI agents to execute payments on behalf of businesses within predefined rules and authorisation frameworks.
Sunrate has launched the Sunrate Agentic Card, a programmable, multi-currency virtual commercial card for AI agents to execute payments.
Unlike conventional virtual commercial cards designed primarily for human users, it enables authorised AI agents to create and manage payment instruments, initiate transactions and retrieve payment outcomes.
Businesses retain control over spending limits, permissions and approval policies.
The card has completed Mastercard Agent Pay certification, providing a foundation for verifiable identity and authorisation for agent-initiated transactions.
Within an authorised workflow, AI agents can create cards, configure payment parameters, initiate transactions and retrieve payment outcomes.
Controls can be defined across merchant category, transaction amount, currency, geography and validity period, with cards able to expire automatically once the intended task is completed.
Each action is recorded and auditable.
Sunrate.AI comprises five specialised agents: Payment Agent, FX Agent, Compliance Agent, Onboarding Agent and Chat Agent.
"The next stage of agentic payments is not simply about allowing AI to make recommendations. It is about giving agents the ability to execute financial tasks within clear boundaries, with the right controls, identity and accountability in place," said Li Yilong, Head of AI at Sunrate. "Sunrate Agentic Card is a step towards making that model practical for businesses, connecting intelligence with the payment infrastructure required to act on it."
The OTA industry is among the early use cases where this model can deliver tangible value. Global online travel businesses manage marketing expenditure and supplier payments across multiple teams, markets and channels, creating challenges around fragmented spending, policy compliance and budget control. With Sunrate Agentic Card, an OTA can issue a virtual card for an individual marketing campaign or supplier payment and configure the relevant spending permissions in advance.
Sunrate's approach is informed by its recent collaboration with Mastercard on "Beyond Automation: Defining Agentic Global Payments," a white paper examining the evolution of AI in business payments and identifying practical applications for agentic technology across the payment lifecycle.
About Sunrate
Sunrate is a leading global payment and treasury management platform for businesses worldwide. Founded in 2016, Sunrate has enabled companies to operate and scale both locally and globally in 190+ countries and regions with its cutting-edge infrastructure, global network, and unified solutions. The company partners with top global financial institutions, such as Citibank, Standard Chartered and J.P. Morgan, and is a principal member of Mastercard and Visa.
