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Case Study · Real Estate

Agentic AI-Powered
Payment Experience.

Visa Intelligent Commerce · Visa Payment Passkey

Traditional payment rails assume a human at the keyboard. We built a secure framework that lets authorised AI agents initiate, authenticate, and complete transactions end-to-end — passkey-protected, governed, and fully traceable.

  • Real Estate
  • Digital Payments
  • Agentic Commerce
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Overview

At a glance

What was built, on what, and why it matters.

Industry
Real Estate
Domain
Digital Payments & Intelligent Commerce
Solution
Agentic AI · Payment Automation · Intelligent Commerce
Core technologies
Visa Payment Passkey (VPP) · Visa Intelligent Commerce (VIC)
AI accelerator
Visa Intelligent Commerce (VIC)
Impact

Key outcomes

Where agentic AI moved from assist to act.

  • 01Autonomous, AI-driven payment journeys — no human in the loop
  • 02Passkey-based authentication that strips out checkout friction
  • 03Stronger payment security and protected credentials
  • 04A foundation for future intelligent-commerce experiences
The challenge

Built for humans, not agents.

Payment systems were built for people — forms, clicks, manual authentication. None of it survives contact with an autonomous agent.

The organisation needed a way for AI agents to transact securely across the purchasing journey: strong authentication, protected payment credentials, and minimal fraud exposure — without a person in the loop to approve each step.

The solution

One secure, agentic payment flow.

Visa Payment Passkey + Visa Intelligent Commerce, end to end.

DBiz designed and implemented an agentic payment solution that combines Visa Payment Passkey and Visa Intelligent Commerce into a single, secure flow.

  1. Authenticate

    Passkeys register and retrieve payment credentials with cryptographic protection — strong security, almost no friction.

  2. Authorise

    Through Visa Intelligent Commerce, authorised agents are cleared to act on the user’s behalf within set guardrails.

  3. Execute

    The agent initiates, validates, and completes the transaction as one continuous workflow — secure, governed, and traceable.

Contactless digital payment
Intelligent commerce

Payments that complete themselves — securely, on the buyer’s behalf.

The result

Beyond assist — agents that transact.

The build proved agentic AI can move past information retrieval and decision support into secure transaction execution — with strong authentication and governance holding throughout.

The organisation now has a foundation for future intelligent-commerce initiatives, and a clear path to lower-friction, more secure customer payments.

Under the hood

Technology stack

LayerTechnology
Intelligent commerceVisa Intelligent Commerce (VIC)
Payment authenticationVisa Payment Passkey (VPP)
AI capabilityAgentic AI
SecurityPasskey-based authentication · Cryptographic credential protection
Business functionAutonomous payment orchestration
Delivered across
[Z] NEXT STEP

Your agents can decide.
Now let them pay.

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