AI-powered bots are revolutionising payments by enabling instant, automated and secure transactions, integrating with blockchain and stablecoins to optimise financial operations. JP Morgan’s programmable payments and the report from Visa that 90% of stablecoin transactions are bot-driven, both highlight AI’s dominance in the space. But, whilst this improves efficiency and fraud detection, it raises concerns about market manipulation, regulatory oversight and real user adoption. With tokenised assets projected to hit $2 trillion by 2030, AI-driven payments are set to reshape finance. But can banks and regulators keep up?