agentic payments infrastructure

The technical reference
for AI-native payments

Deep dives into Visa Intelligent Commerce, Trusted Agent Protocol, card-rail architecture, and the full stack of protocols that let AI agents pay for things autonomously.

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Latest Writing
01
featured four-party-modelagentic-commerceiso8583tap
Why the 4-party model breaks for agents
The card network architecture that has moved money for decades assumes a human is present. Agent payments do not replace the rails; they replace the trust signals around them.
Apr 26, 2026 · 5 min read
Topics
four-party-model
agentic-commerce
iso8583
02
live visavictapagentic-commerce
Visa Intelligent Commerce: a source-checked architecture map
What Visa Intelligent Commerce and Trusted Agent Protocol publicly document, what can be inferred, and what should stay marked as illustrative.
Apr 17, 2026 · 5 min read
03
live visaagentic-commercetrusted-agent-protocoliso8583
How an AI agent buys something: the technical breakdown
A source-checked walkthrough of agentic checkout: Visa Intelligent Commerce, Trusted Agent Protocol, tokenization, HTTP signatures, AP2, ACP, and x402.
Mar 21, 2026 · 5 min read
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Why this exists
Curiosity, mostly. And a genuine belief that there is a documentation gap between what the protocols announce and what the architecture actually looks like end to end.
About
Iñigo
Software Engineer
payarch is a project to map the architecture of the AI agent payments ecosystem — the protocols, the rails, and the infrastructure being built right now.

Each post ships a new interactive diagram. The goal is simple: make this space legible to the engineers and founders building in it.
ivalenzuelan vn.inigo@gmail.com
5
Posts published
12
Posts planned
9
Diagrams shipped
2026
Project started