Stripe introduces an AI core model for payment solutions and enhanced stablecoin integration.

Stripe has launched an innovative AI foundation model specifically designed for payments while also enhancing its capabilities related to stablecoins and embedded finance.

The announcement took place during the company’s annual Sessions conference, where over 60 new product updates were revealed. This expanded integration of stablecoins comes as a follow-up to the firm’s acquisition of Bridge, valued at $1.1 billion, which took place more than six months ago.

### AI Foundation Model

Stripe has rolled out what it describes as the first foundation model for payments, trained on an extensive dataset comprising tens of billions of transactions. This model has significantly boosted fraud detection capabilities, raising the accuracy of identifying card-testing attacks from 59% to an impressive 97% for larger users.

Additionally, the company introduced Orchestration, a new tool that enables businesses to manage various payment processors through a single Stripe platform.

The Optimized Checkout Suite has also undergone substantial improvements, now featuring over 100 real-time signals for personalized checkout experiences, the ability to accept more than 125 global payment methods, and one-click integration with Klarna through Link.

Moreover, Stripe announced Authorization Boost, an AI-driven tool designed to enhance transaction success rates by dynamically updating payment card information and retrying unsuccessful transactions. They also hinted at the future launch of Smart Disputes, which aims to automate chargeback responses with evidence tailored to specific disputes.

### Stablecoin Accounts and Global Payouts

Stripe is intensifying its focus on digital assets and stablecoins with the introduction of Stablecoin Financial Accounts.

These accounts will empower users across more than 100 countries to hold, send, and receive stablecoin balances, utilizing both fiat and cryptocurrency methods. The firm is also set to release a Visa card denominated in USDC, facilitating immediate spending linked to cryptocurrency.

In an effort to support embedded finance providers, Stripe has enhanced its capital functionalities, allowing platforms to offer financing options to users outside of the Stripe ecosystem by integrating third-party data.

Updates to the Issuing service now provide businesses with the ability to establish intricate rules and enjoy increased program flexibility, including provisions for consumer credit cards.

Stripe’s Money Management features facilitate the storing, converting, and transferring of funds across different currencies and regions. This comes with expanded global payout options available in 58 countries, requiring only an email address for transactions.

Additional enhancements include real-time revenue tracking, localized pricing APIs, and forthcoming features like Stripe Profiles and Stripe Verified, further solidifying Stripe’s role as an essential financial infrastructure for online businesses.