SolvaPay

If 2023 was the year of AI agents as productivity tools, 2025 and beyond will be the era of AI agents as economic actors. Agents that not only execute informational tasks — writing, analyzing, communicating — but that act in the digital world: purchasing services, paying for API calls, subscribing to products, executing transactions on behalf of the organizations that deploy them. This emerging scenario — agentic commerce — needs a payment infrastructure that does not yet exist. SolvaPay, a Swedish startup based in Stockholm, is building it. SolvaPay's platform is a payment infrastructure designed specifically for transactions between AI agents and digital services via API. The problem it solves is concrete: existing payment systems were designed for humans — with UI for authentication, with flows that assume a human decision in the loop, with authorization structures built for individuals or companies as monolithic entities. An AI agent that needs to pay autonomously to access a service encounters infrastructure that was not designed for it. SolvaPay offers payment APIs native to AI agents, with authentication, authorization, and audit trail mechanisms designed for automated flows. This includes the ability to set spending limits, programmatic approval policies, and complete traceability of transactions executed by agents — fundamental requirements for organizations that must maintain control and compliance over agents operating autonomously. The market is nascent but has potentially very rapid growth dynamics: as AI agent deployments multiply across organizations, the volume of agentic transactions will grow accordingly. Whoever builds the payment infrastructure at this stage will hold a significant advantage when the market reaches critical mass. SolvaPay positions itself at the intersection of two trends — the explosion of AI agents and the evolution of payment infrastructure — at a moment when demand is still emerging but the window for building a reference position is open.