# Sunrate and Mastercard Release White Paper on Agentic AI and the Future of B2B Global Payments

- Link: https://www.thailand-business-news.com/pr-news/sunrate-and-mastercard-release-white-paper-on-agentic-ai-and-the-future-of-b2b-global-payments
- Published: 2026-07-24T07:00:00+07:00
- Author: PR Newswire

SHANGHAI, July 24, 2026 /PRNewswire/ — Sunrate, the global payment and treasury 
management platform, and Mastercard, a global technology company in the payments
industry, unveiled a joint white paper, [**_Beyond Automation: Defining Agentic Global Payments_**](https://www.sunrate.com/beyond-automation-defining-agentic-global-payments/),
at the 2026 World Artificial Intelligence Conference (WAIC).

Among the first reports in the payments industry to examine the impact of Agentic
AI on B2B cross-border payments, the white paper provides a comprehensive framework
for understanding how AI agents are reshaping enterprise payment operations. It 
proposes that cross-border payments are evolving beyond digitisation and automation
into a new stage: **Autonomy**—where AI agents with reasoning, planning, and execution
capabilities can independently orchestrate and optimise end-to-end payment and treasury
workflows within defined governance frameworks.

As businesses expand across borders, B2B cross-border payments continue to be constrained
by fragmented workflows, disconnected systems, foreign exchange inefficiencies, 
rising compliance requirements, and complex reconciliation processes. While traditional
automation improves individual tasks, the white paper demonstrates that Agentic 
AI represents a fundamental shift by enabling intelligent agents to coordinate entire
payment journeys across systems, counterparties, and approval workflows.

Drawing on Sunrate’s global payment infrastructure and AI-native product capabilities,
together with Mastercard’s expertise in secure payment networks and data intelligence,
the white paper defines **Agentic Global Payments** — a new category of AI-native
global payment infrastructure built to automate and manage complex enterprise workflows.

The report identifies **16 major pain points** across the B2B payment lifecycle 
and outlines **13 high-value AI use cases** spanning supplier onboarding, accounts
payable and receivable, virtual commercial cards, payment routing, foreign exchange
management, compliance screening, fraud detection, reconciliation, and conversational
operational support. It also demonstrates how AI agents can automate complex workflows—
from extracting information across multiple document formats and conducting compliance
checks to initiating payments, optimising FX execution, and completing reconciliation—
while operating within enterprise governance and control frameworks.

The white paper further highlights that trusted adoption of agentic payments depends
on more than technological capability. It identifies governance, transparency, security,
and ecosystem collaboration as essential foundations for enterprise deployment, 
supported by frameworks such as Know Your Agent (KYA), payment tokenisation, auditability,
and cross-industry interoperability.

Sunrate.AI portfolio currently includes the **Payment Agent**,** FX Agent**,** Compliance
Agent**,** Onboarding Agent**, and** Chat Agent,** designed to help enterprises 
automate and optimise critical payment and treasury processes while maintaining 
compliance and operational control.

Mastercard has also been actively building the foundations for trusted agentic commerce–
combining AI capabilities with verifiable authorisation, clear accountability and
proven payments security. Its work in this area, including **Agent Pay** (alongside**
Agent Pay for Machines**) and **Verifiable Intent**, are proof points in how Mastercard
is enabling AI to participate in commerce safely and transparently. 

"Our mission is to make global payments seamless, compliant, and intelligent," said**
Paul Meng, Co-founder and CEO of Sunrate**. "As businesses continue expanding internationally,
AI agents will fundamentally reshape how enterprises manage global payments—enabling
smoother capital flows, reducing operational friction, and embedding real-time intelligence
into every payment decision. This white paper represents an important step in helping
the industry understand how Agentic AI can be deployed responsibly at enterprise
scale."

"Agentic commerce is changing how businesses make and execute payment decisions,
but speed without accountability creates new categories of risk," said **Anouska
Ladds, Executive Vice President, Commercial & New Payment Flows, Asia Pacific, Mastercard**."
As AI starts to act on behalf of businesses, autonomous payment decisions need a
clear, auditable chain of identity, intent and action. That’s what allows organisations
to delegate with genuine confidence — and what will determine whether agentic commerce
scales past pilots."

Released under WAIC 2026’s theme, "**Intelligent Partners, Co-creating the Future**,"
the white paper provides business leaders with practical guidance on adopting AI-
driven payment capabilities, covering implementation approaches, governance considerations,
and real-world enterprise applications.

By combining Sunrate’s expertise in global payments and treasury management with
Mastercard’s trusted payment infrastructure and network capabilities, the collaboration
reflects a shared commitment to accelerating the next generation of intelligent,
secure, and autonomous B2B global payments.

Click [here](https://www.sunrate.com/beyond-automation-defining-agentic-global-payments/)
to check the white paper.

**About Sunrate**

Sunrate is a leading global payment and treasury management platform for businesses
worldwide. Founded in 2016, Sunrate has enabled companies to operate and scale both
locally and globally in 190+ countries and regions with its cutting-edge infrastructure,
global network, and unified solutions.

Sunrate operates through offices across key markets, including Singapore, Kuala 
Lumpur, Jakarta, Hong Kong, Shanghai, and London. The company partners with the 
top global financial institutions, such as Citibank, Standard Chartered, Barclays,
J.P. Morgan. Sunrate is also the principal member of Mastercard and Visa. To learn
more about Sunrate, visit [https://www.sunrate.com/.](https://www.sunrate.com/)

**About Mastercard**

Mastercard powers economies and empowers people in 200+ countries and territories
worldwide. Together with our customers, we’re building a resilient economy where
everyone can prosper. We support a wide range of digital payments choices, making
transactions secure, simple, smart and accessible. Our technology and innovation,
partnerships and networks combine to deliver a unique set of products and services
that help people, businesses and governments realize their greatest potential. 

[www.mastercard.com](http://www.mastercard.com/)

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