In today’s fast-moving financial world, treasury teams are under pressure to operate faster, smarter and more securely. With capital flowing 24/7 across time zones and currencies, the legacy model of batch processes, spreadsheets and waiting for Monday morning is no longer sustainable.
At Fipto, we believe AI-powered payment agents will redefine how finance teams work. But these agents are only as powerful as the infrastructure they run on, and that is exactly where our focus lies. Stablecoins are programmable money, and AI agents are the perfect operators for their flows.
We are building Fipto’s own Model Context Protocol (MCP): a foundational layer that enables AI agents to automate, orchestrate and secure payments in a world where money never sleeps.
An AI payment agent is not just a chatbot or analytics tool. It is a contextualised assistant that can:
These agents combine large language models (LLMs), ledger awareness and programmable execution logic, all powered by stablecoin rails.
The result is treasury operations that are faster, more reliable and more intelligent.
Modern payments, especially in stablecoins, span a complex web of liquidity providers, currencies, blockchains and compliance checks. This is where orchestration becomes critical.
At Fipto, we see the MCP as the orchestration layer for stablecoin payments, allowing agents to operate across fragmented rails, apply company-specific rules and optimise for cost, speed or risk.
Without orchestration, agents are limited. With MCP, they become powerful.
Behind every “send payment” instruction lies a maze of decisions: Which rail to use? Which currency to convert from? What route is fastest or cheapest?
MCP enables AI agents to:
It transforms a static system into an intelligent payment fabric.
For treasurers and finance teams, AI agents become intelligent assistants that:
This is more than a dashboard. It is an interface to your treasury, powered by context-aware infrastructure.
MCP makes it possible to programme agents that:
All in real time, across borders and time zones, with no manual intervention.
Unlike most AI solutions, Fipto’s client data is never used for training by large language models.
The agent converts queries into internal requests, fetches secure data and returns answers in business-native language.
It speaks finance and keeps your data private by design.
Our Alpha version of MCP supports full read-only interaction with your treasury infrastructure:
What is next?
All safely orchestrated, fully auditable and stablecoin-native.
Fipto is currently seeing opportunities to develop AI agents with different roles. A healthy ecosystem of agents could be composed of:
Eventually these agents would be able to communicate with each other, for instance an Alert Agent could trigger a Payment Agent.
Capital no longer sleeps. Treasury operations no longer need to wait for Monday.
CFOs need tools that are as agile as their capital, and AI payment agents are how we get there. Fipto’s MCP is the infrastructure layer that enables this future: secure ledger access, intelligent orchestration and stablecoin-native execution.
We are inviting select partners to preview MCP Alpha and co-build the future of treasury automation.
To join the early access program, get in touch with us at contact@fipto.com or book a demo.
