Stripe Unveils Major Upgrades: AI Models, Stablecoin Accounts, and Global Payments Expansion

Below are the highlights across core product areas:

AI and Payments Innovation

Payments Foundation Model: Stripe unveiled the world’s first foundation model for payments, trained on billions of transactions. It has dramatically improved fraud detection—boosting card-testing attack detection from 59% to 97%.

Stripe Orchestration: A new tool to manage multiple payment processors within the Stripe ecosystem.

Optimized Checkout: Enhancements include AI-personalized checkout experiences using over 100 real-time signals, and support for over 125 payment methods, including stablecoins and real-time payment systems like Pix and UPI.

Embedded Mobile Payment Element: Now available for easy integration into mobile apps.

Stablecoins and Money Management

Stablecoin Financial Accounts: Coming soon in 101 countries, allowing users to hold, send, and receive stablecoin balances alongside fiat.

Global Payouts: Businesses can now pay users in 58 countries using just an email address.

USDC Visa Card: Users will be able to access a USDC-denominated Visa card, powered by Stripe Issuing and Bridge.

Fraud, Risk, and Intelligence Tools

Authorization Boost: AI that optimizes retries and card updates automatically.

Smart Disputes: Automates dispute responses with tailored evidence.

Radar Expansion: Now supports ACH, SEPA, and custom fraud scoring via API.

AI-powered anomaly alerts for enterprise support users flag authorization rate issues with 90%+ precision.

Billing, Tax, and Financial Reporting

Stripe Scripts: Enables custom logic inside Stripe Billing.

Tax in 102 Countries: Expanded global tax collection support and new integrations from Anrok, Avalara, and Sphere.

Real-time Revenue Recognition: Speeds up access to financial data for faster closing.

Sigma & Data Pipeline: Now deliver insights within 3–6 hours and support organization-wide data visibility.

Embedded Finance and Platform Tools

Connect Updates: New Radar for platforms, networked onboarding, and expanded dashboard metrics for financial performance.

Stripe Capital: Now available for platforms using third-party underwriting data.

Stripe Issuing: Soon supports consumer credit card programs, with full control over licensing and banking relationships.

Developer Tools and AI Assistants

Stripe Workflows: Build and deploy multistep logic flows across products with no code.

Order Intents API: Quickly spins up commerce agents.

Stripe Profiles: Public identity for B2B payments and invoicing across the Stripe network.

Stripe Verified: Offers compliance guidance and tailored protections for global payments.

AI Dashboard Assistant: Use natural language in the Stripe Dashboard to complete tasks like issuing refunds or generating links.

Conclusion

With its latest releases, Stripe is cementing itself not just as a payment processor, but as a comprehensive fintech infrastructure provider. By blending AI, crypto, embedded finance, and global compliance, Stripe is shaping the future of money movement for developers and businesses worldwide.

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