Stripe has unveiled an artificial intelligence (AI) foundation model for payments and introduced stablecoin-based financial accounts across 101 countries, marking a significant advancement in global digital finance.
The announcements were made during the company’s annual Sessions 2025 event in San Francisco.
The newly introduced Payments Foundation Model is the first of its kind, trained on tens of billions of transactions to enhance fraud detection and transaction approvals.
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Stripe reports that this AI system has improved fraud detection accuracy from 59 percent to 97 percent for large users, particularly in identifying card-testing attacks.
In addition to the AI model, Stripe launched Stablecoin Financial Accounts, enabling businesses to hold, send, and receive funds using USDC (US Dollar Coin) and USDB (US Dollar Bancor) stablecoins. These accounts support multicurrency balances in USD, Great Britain Pound (GBP), and The Euro (EUR), allowing companies to manage funds without incurring foreign exchange conversion costs.
“The world’s financial systems are becoming programmable. This is not about payments as a back office function anymore, it’s about payments driving your business strategy,” Stripe’s co-founder and President John Collison said in a keynote address at the event.
To facilitate the use of stablecoins in everyday transactions, Stripe has partnered with Visa to issue stablecoin-linked cards. This collaboration allows users to spend their stablecoin balances at over 150 million merchants worldwide that accept Visa.
Stripe’s expansion into AI and stablecoin services reflects a broader strategy to provide businesses with advanced tools for global commerce. The company’s initiatives aim to offer more efficient, secure, and versatile financial solutions in the evolving digital economy.
