Four technology companies announced a partnership on October 8, 2026, to build identity-powered personalized agentic commerce. Animoca Brands' AIR and Minds platforms are joining Reap, a Hong Kong-based stablecoin payments fintech, and Pivota, a Palo Alto-based commerce decision layer, to let AI agents make verified purchases. The initiative aims to allow AI agents to securely execute policy-bound transactions and claim user earned benefits without exposing underlying personal data.
Partnership Architecture
Under the proposed operating model, AIR enables users to selectively share verified identity attributes and earned entitlements with their Minds AI agents. Minds agents interpret user intent and coordinate the purchase journey while relying on AIR's credentials verification system. Reap facilitates card issuance and payment credentials scoped to specific merchants, amounts, and timeframes, while Pivota provides merchant selection and order execution.
Privacy and Consent
The design ensures that AI agents do not interact with digital ecosystems as unverified entities, but as representatives with explicit user consent. Agents can claim eligible offers or access without exposing underlying personal information because AIR provides privacy-preserving identity credentials and selective attribute disclosure. Reap's payment layer executes checkout within pre-approved parameters tied to specific merchants, amounts, and timeframes, reinforcing consent and security throughout the transaction lifecycle.
Merchant and Commerce Benefits
For merchants, the integrated system allows existing loyalty programs, eligibility rules, and promotional offers to work seamlessly within AI-led purchase journeys. Merchants can reach and serve qualified agentic users more effectively without disrupting their current storefront workflows. Pivota's index of mid-to-long-tail merchants also helps brands become visible to agents through a single API.
Initial Controlled Demonstration
The partnership will begin with a single merchant integration in a controlled use case demonstration. That demonstration is expected to show the complete agentic transaction lifecycle, including cryptographic proof of eligibility, product and merchant selection through Pivota, offer application, payment credential issuance via Reap, and transaction authorization. The companies described the test as an early step toward empowering agents to transact with verified access to offers and benefits.
Executive Perspectives
Yat Siu, co-founder and executive chairman of Animoca Brands, said AI agents should not have to interact with digital ecosystems as unverified entities. He noted that combining Minds' persistent user understanding with AIR's identity infrastructure equips agents to act with context, consent, and strict parameters. Reap co-founder Daren Guo added that agentic commerce is a natural extension of the company's programmable card infrastructure.
Industry Context
Visa and Mastercard are developing AI purchasing capabilities and agentic commerce rails, according to the announcement. Reap processed billions in stablecoin-funded transaction flows in 2025, reflecting growing demand for programmable financial infrastructure and stablecoin-native payments. Hong Kong regulates stablecoin issuers, although the announcement does not establish that Reap is one, underscoring the evolving regulatory backdrop for the sector.
Company Roles in Detail
Reap brings global stablecoin card and payment infrastructure, enabling financial connectivity through efficient money movement and programmable cards. Pivota contributes a commerce index and decision layer that normalizes catalog and offer data from mid-to-long-tail merchants and exposes them through a single API. AIR and Minds by Animoca Brands provide decentralized identity, loyalty, and persistent AI agent capabilities that support verified and context-aware interactions.
By combining verified identity, persistent AI agents, scoped payment credentials, and merchant decision infrastructure, the collaboration illustrates how agentic commerce can operate with user consent and privacy safeguards. The initial pilot will help determine how quickly AI agents can become trusted participants in digital shopping while preserving loyalty benefits and security. Broader adoption may depend on merchant readiness, regulatory clarity, and the demonstrated reliability of policy-bound transactions.