Circle Internet Group, Inc.CRCL

Circle offers Agent Stack suite to enable autonomous AI agents as economic actors.

“• “Agent Stack” is our integrated suite of developer services and financial infrastructure products designed to enable autonomous artificial intelligence agents to function as independent economic actors. Agent Stack consists of four components: (i) Agent Wallets, policy-controlled programmable wallets that allow AI agents to hold, send, and receive USDC within defined permission and spending control parameters; (ii) Circle CLI (Command Line Interface), a programmatic interface through which developers and AI agents can access and build on our broader platform suite, including wallets, payments, and policy management; (iii) Agent Marketplace, a discovery and transaction layer through which AI agents can identify, engage, and pay for services provided by other agents or third-party providers, enabling machine-to-machine commerce; and (iv) Nanopayments, powered by Circle Gateway, a high-frequency micropayment protocol capable of processing USDC transfers in fractional amounts as small as $0.000001 without gas fees, designed to support the low-latency, high-volume transaction patterns characteristic of agentic workflows.”

Circle uses and may increase use of AI including for agentic payment capabilities, with competition risks.

“We use, and may increasingly use, artificial intelligence, machine learning, generative artificial intelligence, and other automated technologies (collectively, “AI”) in our business, including in fraud detection, transaction monitoring, compliance, reserve analytics, smart contract development, customer support, and developer tools, and we may incorporate these technologies into or alongside our products and services, including in connection with agentic payment capabilities. We anticipate that AI will become increasingly important to our operations in the future. Our competitors and other third parties may incorporate AI into their businesses or offerings more quickly or more successfully than us, which could impair our ability to compete effectively and adversely affect our business, results of operations, financial condition, and prospects.”

Circle platform supports AI agents and agentic applications that autonomously initiate transactions.

“Thousands of companies participate on our platform, providing products and services that integrate with our stablecoin network in a variety of ways, including consumer wallets and applications that allow end-users to hold and use our stablecoins, AI agents and agentic applications that can autonomously initiate and execute transactions, manage payments, and interact with onchain protocols, digital asset exchanges that enable trading of our stablecoins with other digital assets and fiat currencies, and traditional exchanges and clearing houses who are exploring stablecoin use cases. Our platform also includes regulated digital asset custodians that support institutional storage and safekeeping, blockchain networks on which our stablecoins are supported natively, and onchain protocols that provide financial and commercial building blocks such as exchange, lending, payments, and treasury functionality. In addition, banks and neo-banks provide settlement and reserve infrastructure and increasingly use stablecoins in their own offerings. Likewise, payments companies integrate stablecoin settlement into their products and services, including processors, card networks, and remittance providers. Finally, market makers and over-the-counter liquidity providers play a critical role in supplying stablecoin liquidity across global venues and local currency markets, helping make our stablecoins broadly accessible.”

Circle launched CPN in May 2025 supporting agentic payments among other use cases.

“CPN is a neutral enterprise-grade network that enables banks, PSPs, and enterprises to move money using stablecoins starting with cross-border payments where stablecoins deliver clear advantages in speed, cost and settlement certainty. We launched CPN in May 2025 to extend the utility of our Circle Digital Assets by enabling institutions to originate, route, and settle payments on open blockchain networks on a near-instant, 24/7/365 basis, subject to applicable compliance and risk controls. CPN is designed to support a broad set of money movement use cases including agentic payments, consumer payments, business-to-business payments, remittances, payroll, capital markets settlement, and internal treasury operations.”

Circle notes rapid growth in AI agent deployment creates opportunities for stablecoins and blockchain use.

“Growth in AI agents and applications. Rapid growth in the deployment of AI agents and software creates an environment that is ripe for the use of stablecoins and blockchain networks, as AI agents have come to rely on a programmable form of money that can work universally around the world. Growth in AI usage can also be a catalyst for the internet financial system.”

Circle noted rapid growth in deployment of AI agents creates opportunity for stablecoins.

“Growth in AI agents and applications. Rapid growth in the deployment of AI agents and software creates an environment that is ripe for the use of stablecoins and blockchain networks, as AI agents have come to rely on a programmable form of money that can work universally around the world. Growth in AI usage can also be a catalyst for the internet financial system.”

Circle states growth in AI agents deployment creates opportunity for stablecoins and blockchain.

“Growth in AI agents and applications. Rapid growth in the deployment of AI agents and software creates an environment that is ripe for the use of stablecoins and blockchain networks, as AI agents have come to rely on a programmable form of money that can work universally around the world. Growth in AI usage can also be a catalyst for the internet financial system.”

Circle notes growth in AI agents and applications drives stablecoin and blockchain use.

“Growth in AI agents and applications. Rapid growth in the deployment of AI agents and software creates an environment that is ripe for the use of stablecoins and blockchain networks, as AI agents have come to rely on a programmable form of money that can work universally around the world. Growth in AI usage can also be a catalyst for the internet financial system.”

Growth in AI agents deployment creates opportunity for stablecoins and blockchain.

“Growth in AI agents and applications. Rapid growth in the deployment of AI agents and software creates an environment that is ripe for the use of stablecoins and blockchain networks, as AI agents have come to rely on a programmable form of money that can work universally around the world. Growth in AI usage can also be a catalyst for the internet financial system.”

Growth in AI agents and applications creates opportunities for stablecoins and blockchain networks.

“Growth in AI agents and applications. Rapid growth in the deployment of AI agents and software creates an environment that is ripe for the use of stablecoins and blockchain networks, as AI agents have come to rely on a programmable form of money that can work universally around the world. Growth in AI usage can also be a catalyst for the internet financial system.”