Visa Product Drop 2025: Replay

以下是 Visa 全球产品发布会的摘要，重点关注关键公告及其影响： Visa 的全球产品发布会围绕公司对未来商业的愿景展开，尤其强调了 AI 的变革潜力以及其致力于提供底层基础设施以支持这一演变的承诺。核心信息强调了 Visa 向“Visa 即服务”平台的转变，提供一系列建立在其强大的全球网络之上的服务，将数十亿凭证与众多国家和地区的数百万卖家连接起来。 一个中心主题是“代理商业”（agentic commerce）的兴起，其中 AI 代理充当个人购物助理，自动化任务并个性化体验。Visa 认为 AI 代理可以显著减轻消费者的认知负担并改善整体购物体验。然而，发布会强调，要使 AI 驱动的商业真正成功，支付必须是无缝、安全和值得信赖的。 该活动推出了 **Visa 智能商业（Visa Intelligent Commerce）**，这是一套专为解决 AI 驱动商业中的支付挑战而设计的功能。该产品包含三个关键支柱： 1. **AI 就绪卡（AI-Ready Cards）**: 通过令牌化和身份验证增强 Visa 卡的功能，以确保代理的合法性并代表持卡人行事。这包括为 AI 代理生成唯一的令牌，并将其绑定到平台，以确保未经授权的使用。 2. **简单且安全的 AI 支付（Simple and Secure AI Payments）**: 通过两项新服务促进支付：**支付指令（Payment Instructions）**，记录用户的购买意图并确保与代理的行为一致；以及 **支付信号（Payment Signals）**，为所有相关方提供丰富的上下文数据，从而实现准确的处理、高效的售后服务和有效的欺诈预防。 3. **AI 驱动的个性化（AI-Powered Personalization）**: 利用交易数据，通过 AI 代理提供个性化的推荐和购物体验。这是在保持用户控制和数据隐私的前提下实现的，仅与 AI 提供商共享匿名化洞察（数据令牌），确保消费者可以随时控制访问和擦除数据。 这些工具旨在解决消费者和机构的信任问题。 除了 AI 商业之外，Visa 还提供了其他关键领域的更新： * **数字身份（Digital Identity）**: 强调了在改善数字安全和身份验证方面的持续努力。重点是实现 100% 令牌化，增强数据安全性，包括 TAP to add card 解决方案以及实施 Visa Payment Passkeys 等生物识别解决方案来替代密码，从而提高安全性和授权率。 * **灵活凭证（Flex Credentials）**: 展示了 Visa 灵活凭证的持续扩展，使持卡人可以使用一张卡在多个资金来源（借记卡、信用卡、先买后付）之间切换。宣布与数字银行、金融科技公司和处理机构建立新的合作伙伴关系，以进一步将 Flex 集成到新的和现有的产品中。 * **稳定币（Stablecoins）**: 强调了 Visa 对加密货币领域的承诺，重点关注卡和钱包，以及稳定币结算。Visa 现在允许合作伙伴使用 USDC 与 Visa 进行结算。该公司还强调了可编程货币的潜力，并宣布西班牙的 BBVA 正在使用其平台发行欧元计价的稳定币。 除了这些更新之外，Visa 还宣布了两款新产品： * **Visa Pay**: 一项旨在将任何参与的移动钱包连接到全球 Visa 网络的服务的，使用户可以在任何接受 Visa 的商家处使用其钱包余额。这解决了许多移动钱包的接受范围有限的问题。 * **Visa Accept**: 一项允许小型卖家直接在其支持 NFC 的智能手机上接受银行卡支付的服务，无需额外的硬件。这扩大了微型企业访问数字支付的途径。 该活动强调，合作对于推动这些新领域的创新和采用至关重要。Visa 已与 OpenAI、Perplexity、Microsoft、Anthropic 和 Mistral 合作，开发和改进其 AI 驱动的商业解决方案。Visa 对与金融机构、商家和其他行业参与者合作的承诺得到了强调。 本次产品发布会传达了 Visa 的信念，即它不仅为未来的支付做好了准备，而且还通过技术、基础设施和合作伙伴关系积极塑造着支付的未来。通过构建全面的“Visa 即服务”堆栈，该公司正在赋能各种规模的企业，使其能够利用其功能并参与不断发展的数字商业格局。

Here's a summary of the Visa Global Product Drop, focusing on the key announcements and their implications: Visa's Global Product Drop event centered on the company's vision for the future of commerce, particularly highlighting the transformative potential of AI and its commitment to providing the underlying infrastructure to support this evolution. The core message emphasized Visa's evolution into a "Visa as a Service" platform, offering a range of services built on top of its robust global network, connecting billions of credentials to millions of sellers across numerous countries and territories. A central theme was the rise of "agentic commerce," where AI agents act as personal shoppers, automating tasks and personalizing experiences. Visa believes AI agents can significantly reduce the cognitive burden on consumers and improve the overall shopping experience. However, the presentation stressed that for AI-driven commerce to truly succeed, payments must be seamless, secure, and trustworthy. The event introduced **Visa Intelligent Commerce**, a suite of capabilities designed specifically to address the payment challenges in AI-driven commerce. This offering comprises three key pillars: 1. **AI-Ready Cards**: Enhancing Visa cards with tokenization and authentication to ensure agents are legitimate and acting on behalf of the cardholder. This involves generating a unique token specifically for the AI agent and binding it to the platform, ensuring no unauthorized use. 2. **Simple and Secure AI Payments**: Facilitating payments through two new services: **Payment Instructions**, which records the user's purchase intent and ensures alignment with the agent's actions, and **Payment Signals**, which provides rich contextual data to all parties involved, enabling accurate processing, efficient post-purchase servicing, and effective fraud prevention. 3. **AI-Powered Personalization**: Leveraging transaction data to provide personalized recommendations and shopping experiences through AI agents. This is accomplished while maintaining user control and data privacy, sharing only anonymized insights (Data Tokens) with the AI provider, ensuring consumers can control access and erase data at any time. These tools aim to address consumer and institutional trust concerns. Beyond AI commerce, Visa provided updates on other key areas: * **Digital Identity**: Highlighting ongoing efforts to improve digital security and authentication. The focus is getting to 100% Tokenization, data security enhancements, including the TAP to add card solution and the implementation of biometric solutions like Visa Payment Passkeys to replace passwords, thereby enhancing security and authorization rates. * **Flex Credentials**: Showcasing the continued expansion of the Visa Flexible Credential, enabling cardholders to switch between multiple funding sources (debit, credit, BNPL) with a single card. Announced new partnerships with digital banks and fintechs and processors to further integrate Flex into new and existing offerings. * **Stablecoins**: Underscoring Visa's commitment to the crypto space, focusing on cards and wallets, and settlement in stablecoins. Visa is now allowing partners to settle with Visa using USDC. The company also highlighted the potential for programmable money and announced that BBVA in Spain is using their platform to issue Euro-denominated Stablecoins. In addition to these updates, Visa announced two new products: * **Visa Pay**: A service designed to connect any participating mobile wallet to the global Visa network, enabling users to spend their wallet balances at any Visa-accepting merchant. This addresses the limited acceptance footprint of many mobile wallets. * **Visa Accept**: A service that allows small sellers to accept card payments directly on their NFC-enabled smartphones, without the need for additional hardware. This expands access to digital payments for micro-businesses. The event emphasized that collaboration is vital for driving innovation and adoption in these new areas. Visa has partnered with OpenAI, Perplexity, Microsoft, Anthropic, and Mistral to develop and refine its AI-driven commerce solutions. Visa's commitment to working with financial institutions, merchants, and other industry players was underscored. The Product Drop conveyed Visa's belief that it is not only prepared for the future of payments but actively shaping it through technology, infrastructure, and partnerships. By building a comprehensive "Visa as a Service" stack, the company is empowering businesses of all sizes to leverage its capabilities and participate in the evolving landscape of digital commerce.