ENIPAY

ENIPAY is a payment network built for use by both people and AI agents, layering stablecoin accounts, card network access and agent payment interfaces onto one account system. The account layer manages roles, limits, approvals and risk policy before money moves; the payment layer connects QR acceptance, account-to-account transfers and the Visa and Mastercard networks, with physical cards supporting ATM withdrawal. Agents run on two rails: the x402 protocol for token purchases, API calls and small onchain settlement, and an agent card bound to identity and limits for buying physical goods on a user's behalf.

It holds Visa principal membership and Visa Direct eligibility, participates in an Asia-Pacific digital currency pilot and covers QR payment in five local markets. The key mechanism is authorisation before execution: an enterprise presets transaction scope, funding ceilings and risk conditions, an agent settles autonomously inside them, and every machine-initiated transaction is logged and auditable. It is payment infrastructure for the agent economy, and unlike binding a card to an AI it redesigns accounts, identity and clearing.