Maib and Mastercard complete first payment executed by an AI agent

Built on a secure, consent-based approach, Agent Pay transactions will remain authenticated, transparent and within full consumer control

Maib and Mastercard have completed the first agentic transaction through Mastercard Agent Pay.

Agentic commerce – where AI-powered agents act on behalf of consumers to shop, manage subscriptions and complete everyday tasks – is poised to transform the way people in Moldova shop online. By enabling fully recognized and authenticated agentic transactions, Mastercard’s agentic framework brings AI agents into the payment flow as visible, governed participants – ensuring that every transaction is secure, transparent, and trusted.

Macar Stoianov, Deputy Chairman of maib, underlined:

“Agentic commerce marks an important new stage in the evolution of digital financial services. As AI agents become capable of initiating and executing transactions on behalf of customers, trust, transparency and customer control become more important than ever. Our collaboration with Mastercard demonstrates how innovation can be combined with strong governance, security and consumer protection from the very beginning.

At maib, we believe that AI should empower people, not replace them. AI agents can simplify processes and help customers make faster decisions, but customers must always remain in control of their data, permissions and financial choices. This pilot represents an important step towards building trusted AI-powered commerce in Moldova and unlocking new opportunities for consumers and businesses alike”.

The milestone confirms maib’s technical and operational readiness to support emerging AI-driven transaction models. Mastercard and maib will continue exploring new use cases and opportunities for scaling AI-powered commerce, while maintaining strong controls, resilience and regulatory alignment.

Irina Untila, Vice President, Country Manager at Mastercard in Moldova, said:

“Moldova’s digital transformation is accelerating, with consumers and businesses embracing innovative technologies. We are proud to launch the first agentic transaction with maib, bringing AI innovation to the country. This important step forward reflects the momentum of the country’s evolving digital ecosystem and highlights the potential of AI-powered commerce to deliver more seamless and secure payment experiences.”

Designed to support agentic commerce at scale, Mastercard Agent Pay is built on a comprehensive ‘Know-Your-Agent’, trust framework where an AI agent can transact after it is identified, registered, showcases verified intent, and is authenticated. AI agents will secure payments through agentic tokens that ensure every transaction – including recurring payments – initiated by an agent operates within the permissions and limits defined by the consumer, providing full visibility into which agent acted on their behalf and where the purchase was made.

Mastercard is building the future of agentic commerce with a universal data exchange protocol enabling seamless, scalable personalization, combined with its industry-leading biometric authentication, empowering users with consent and control.

Earlier, maib announced a strategic initiative with Mastercard to leverage artificial intelligence (AI) to enhance the bank’s operations and further improve the customer experience.

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