Stripe releases 288 updates, fully deploying AI agent economy and stablecoin payments

Stripe launches large-scale product upgrades, reshaping the digital payment ecosystem through AI risk control, intelligent proxy wallets, and stablecoin settlement functions.
(Previous summary: Stripe announces over 40 new upgrades: Open Issuance platform allows companies to issue stablecoins with one click, collaborates with OpenAI to release the ACP protocol…)
(Additional background: Stripe releases 288 updates: Google AI Shopping, Link proxy wallets, Tempo chain stablecoin payments advancing on three fronts)

Table of Contents

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• Payments
• Intelligent Risk Control Radar
• Payment Upgrades: AI Intelligent Proxy Fully Takes Over E-commerce
• Revenue Management
• Fund Management
• Risk Control Enhancement: Radar Large-Scale Countermeasures Against Fraud Threats
• Embedded Finance
• Revenue Management: Streaming Payments and Database Features Launch
• Stablecoins and Cryptocurrencies
• Funds Vault: Multi-Currency Storage and Cross-Border Instant Transfers
• Stripe Platform Ecosystem
• Financial Embedding: Card Issuing Services Boost Platform Business Growth
• Crypto Assets: Global Stablecoin Payments and Cross-Chain Transfers

Today, we officially release 288 product updates aimed at accelerating AI enterprise growth, helping traditional businesses adapt to AI, combating token theft by fraudsters, and promoting intelligent proxies as independent economic entities.

Below are the core highlights:

Payments

Intelligent Proxy E-commerce

• Platform-based companies can now access the intelligent proxy e-commerce suite: merchants upload product catalogs and manage proxy access permissions in Stripe dashboard, then sell via AI proxies.
• Partnered with Meta to support users completing checkout directly within Facebook ads.
• Through new collaborations between Stripe and Google, consumers will soon be able to purchase merchant products directly via the Universal Commerce Protocol (UCP) within Google AI Mode and Gemini applications.

Link Wallet

• Link proxy wallets can securely authorize intelligent proxies to make purchases on your behalf, with payment credentials kept confidential throughout, and each transaction requiring manual confirmation.
• US companies now support receiving Brazil Pix instant payments and stablecoin payments via Link; India UPI payments coming soon.
• Backend added a dedicated Link data panel, intuitively showing Link’s actual impact on conversion rates, authorization success rates, and payment costs.

Optimized Checkout Suite

• Checkout Studio preview launched: one-stop configuration, analysis, and optimization of omnichannel checkout pages.
• Stripe Checkout introduces a new embedded form.
• Adaptive Pricing feature launched, supporting localized subscription pricing based on region.

Stripe Offline Payment Terminals

• New Stripe Reader T600 released: equipped with an 8-inch customer display, supporting customized checkout experiences via pre-installed or custom applications, including membership benefits and upselling scenarios.
• Offline payment terminals now support 15 new markets, including Hong Kong and Mexico.

Stripe Managed Payments

• Managed Payments fully launched. Based on official Merchant of Record compliance, businesses can sell digital products in 195 countries and regions, with Stripe handling tax reporting, fraud prevention, transaction disputes, and after-sales support.

Radar Intelligent Risk Control

Payment Upgrades: AI Intelligent Proxy Fully Takes Over E-commerce

Hundreds of millions of businesses worldwide use Radar to combat fraud, including leading AI companies like OpenAI, Anthropic, ElevenLabs, Cursor, and multinational groups like Pepsi and Hertz.

This release features the largest Radar upgrade ever, adding protections against token abuse, account fraud, and other new threats, extending coverage inside and outside the Stripe platform, and significantly improving dispute win rates.

• Free trial of abuse prevention features: accurately identify high-risk behaviors without harming normal users.
• Stripe Signals: detect fraud across on-site and off-site channels.
• Early detection of pay-as-you-go malicious debt and batch abuse of multiple accounts.
• Risk coverage for all payment methods: bank debits, e-wallets, BNPL, and stablecoins can all be intercepted for high-risk transactions.
• Support for custom Radar risk models trained on a company’s own business data.
• Intelligent dispute evidence collection: AI automatically recommends supplementary evidence (logistics tracking, user activity logs, etc.) to improve dispute win rates.

Revenue Management

• Connect Metronome and Tempo to achieve streaming payments: value delivery triggers immediate collection, and costs are settled upon generation.
• Announcing three new billing customization capabilities: programmable subscription billing display styles, cost allocation rules, and logic for balance and points deductions.
• Preview of Stripe Database: a managed read-only Postgres real-time database, enabling one-click backend activation or command-line deployment to accelerate development and deployment.

Fund Management

Risk Control Enhancement: Radar Large-Scale Countermeasures Against Fraud Threats

Stripe Funds Vault

• By the end of the year, US and UK companies will support storage of 15 different currencies.
• Free instant transfers between Stripe businesses within the US.
• US merchants can now apply for co-branded Mastercard Stripe bank cards, enabling direct spending of settled earnings with 2% cashback.
• Vault balances can accrue Stripe points, directly offsetting payment processing fees.
• Stripe app on mobile allows instant viewing of account balances, transaction records, bank cards, and spending details.
• By year-end, support for importing Australian and Canadian currencies; stablecoin settlement support added for 41 new markets.
• Vault balances will soon support Privy non-custodial wallets, enabling cross-border transfers in over 150 countries.
• Intelligent proxy-specific financial accounts: support balance inquiries, bill payments, fund storage, card issuance, and cash flow management, with key operations requiring manual confirmation.
• Global Payouts expansion: fiat currency coverage in over 100 countries, stablecoin coverage in over 160 countries.

Embedded Finance

Against the backdrop of AI reshaping the software industry, we release new growth tools that generate actionable business recommendations from platform data and support expanding new revenue streams via Treasury and Stripe Capital.

Revenue Management: Streaming Payments and Database Features Launch

Stripe Connect

• Growth Studio preview launched: backend intelligent generation of business advice to help expand product offerings and accelerate growth.
• Enable Smart Disputes: automatically organize and submit dispute evidence for merchants.
• Global risk upgrade: assign each business and transaction a fraud score from 0-100, with AI interpreting account flags and providing comprehensive activity insights.
• Announcing marketplace platform will soon issue prepaid signed cards supporting direct consumer and seller account payments.

Platform-facing Stripe Treasury

• Soon support embedding components with minimal code to quickly open vault accounts and consumer bank cards for platform users.
• Preview of multiple new platform-specific Treasury features.

Platform-facing Stripe Capital

• Credit services now available for France and Germany; Australia and Canada coming soon.
• Announcing revolving credit limits, allowing merchants to borrow and repay within approved limits.

Stripe Issuing (Card Issuing)

• Launch of intelligent proxy card issuing: companies and proxy platforms can programmatically issue one-time virtual bank cards, supporting proxy procurement and automated financial workflows.
• Preview of minute-level activation for personal and proxy physical cards, enabling self-service onboarding, standardized templates, and real-time fund settlement.
• Soon support for consumer financial card issuance, including prepaid benefit cards, payroll cards, and customized bank cards.

Stablecoins and Cryptocurrencies

Funds Vault: Multi-Currency Storage and Cross-Border Instant Transfers

In partnership with Privy, launch of a minimal API for managing multi-chain asset balances; expand Bridge’s open issuance capabilities to support corporate issuance of operational stablecoins; and release stablecoin-linked bank cards enabling global spending.

• Support for stablecoin payments in 32 additional countries and regions.
• Hold, transfer, and spend stablecoin assets directly within Stripe dashboard.
• Stablecoins transferable to 160 countries, with US-based users able to transfer via Link wallets.
• Preview of US enterprise access to Stripe Digital Asset Gateway (Crypto Onramp), supporting web/mobile deployment without interfaces, custom stablecoin issuance, and simplified KYC for transactions under $500.
• 30 countries and regions can issue personal or corporate stablecoins linked to bank cards for global spending.
• Bridge adds support for Colombian Peso (COP), GBP fiat exchange and settlement, now supporting USD, BRL, EUR, MXN.
• Bridge supports cross-chain transfer and storage of stablecoins like USDG, CASH, USDSui, USDCBL.
• Bridge adds support for Tempo, Plasma, Celo, Sui blockchains for fund transfers.
• Relying on Privy digital asset accounts, hold, transfer, and increase stablecoin assets globally.
• Flexible custodial models: choose between custodial or self-custodial wallet management.
• Idle asset appreciation: connect to Morpho’s curated DeFi yield vaults for passive income.
• Command-line one-click wallet setup for intelligent proxies, with real-time backend transaction tracking.

Stripe Platform Ecosystem

• Stripe Console launched: embedded intelligent proxy execution environment within merchant backend.
• Custom Objects preview: build business data models and logic within Stripe system.
• Coming soon: enable application developers to create full-page, multi-tab custom experiences within Stripe dashboard.
• Stripe Projects: one-stop configuration for managed services, databases, identity, observability, analytics, AI compute, and unified billing.

Financial Embedding: Card Issuing Services Boost Platform Business Growth

Crypto Assets: Global Stablecoin Payments and Cross-Chain Transfers