Stripe Unveils AI Foundation Model, Stablecoin Accounts, and Global Tools in Massive Product Overhaul

For years, Stripe has quietly underpinned much of the internet’s financial plumbing. On Wednesday, the company turned up the volume.

At its annual Stripe Sessions event, the $50 billion fintech heavyweight rolled out one of its most expansive product overhauls to date, offering a glimpse into what the future of digital finance might look like, from self-learning AI systems to stablecoin-powered transactions and even a surprisingly fast onboarding of tech titan Nvidia.

Stripe’s most striking reveal was an AI foundation model, years in the making, trained on an ocean of payment data—tens of billions of transactions. Emily Glassberg Sands, the company’s head of information, called it a breakthrough.

“Previously, we couldn’t take advantage of our vast data,” she said. “Now, we can.”

This new engine isn’t just about data crunching. It identifies subtle signals that indicate fraudulent behavior—patterns so nuanced that most traditional systems would never catch them. Card testing attacks, a method where fraudsters verify stolen card credentials, have long plagued online businesses. Stripe said its new model boosted the detection of these attacks by 64 percent “practically overnight” for large clients. Its previous systems had already cut such attacks by 80 percent over two years, but the company sees this leap as evidence of what’s possible with more generalized machine learning.

Will Gaybrick, Stripe’s president of product and business, said the model was built through self-supervised learning, allowing it to discover its own features.

“We have found over and over and over again in machine learning, generalized models outperform,” Gaybrick said. “A big part of that is agility. It just performs better and adapts better to changes in fraud patterns.”

Alongside its AI effort, Stripe announced a push into stablecoin-backed multicurrency card products, partnering with startups like Ramp, Squads, and Airtm. The new offering aims to allow businesses across borders to operate in the same currency for the first time—a significant step in reducing the friction that typically comes with international commerce. The move comes only three months after Stripe completed its acquisition of stablecoin platform Bridge, indicating the company’s long-term bet on crypto-backed rails, albeit in a tightly regulated, fiat-pegged form.

Stripe also unveiled its Orchestration feature, which gives businesses the tools to manage and optimize performance across multiple payment providers from a single dashboard, regardless of whether they process payments with Stripe. The offering is designed to give enterprise-scale users more control and resilience, particularly in global operations where reliance on a single provider can be risky.

One of the event’s more unexpected headlines came from Stripe’s relationship with Nvidia. According to Vivek Sharma, Stripe’s head of revenue automation, Nvidia migrated its entire subscriber base to Stripe Billing in just six weeks—a process that typically takes several months. The switch marked the fastest-ever migration to Stripe Billing. Nvidia was already a Stripe Payments customer, but this billing transition demonstrated the growing trust enterprise customers are placing in the fintech’s broader ecosystem.

Stripe also revealed that it now supports 25 new payment methods, including UPI in India and PIX in Brazil, bringing its total global offering to more than 125 payment methods. Klarna, the Swedish buy-now-pay-later giant, will soon be available through Stripe’s consumer payments product, Link, starting this summer.

In a move aimed at physical retailers, Stripe Terminal can now be used with third-party hardware, beginning with Verifone. That shift gives businesses more flexibility at the checkout counter, signaling Stripe’s intent to play a broader role in the point-of-sale market.

Stripe also launched Managed Payments, a merchant-of-record solution that allows companies to expand internationally without dealing directly with tax codes, fraud prevention systems, dispute handling, and fulfillment requirements. The idea is to give businesses a plug-and-play infrastructure to operate globally without having to build in-house compliance and operations teams from scratch.

The company is leaning deeper into automation across the board. Smart Disputes is a new tool that uses AI to automate the process of handling payment disputes, while Stripe Tax has expanded its availability from 57 countries to 102. The service now covers the full tax lifecycle, from monitoring and registering to collecting and filing, making it one of Stripe’s most comprehensive global compliance tools.

Finally, Stripe introduced Global Payouts, which enables businesses to send money to customers, contractors, and other third parties using nothing more than an email address. The simplicity is the point: Stripe wants to make cross-border payments as seamless as sending an invoice.

Perhaps what says the most about Stripe’s evolving role in the tech ecosystem is who’s already using its tools. The company named several AI-focused startups—including OpenAI, Anthropic, Cursor, Perplexity, Windsurf, and Eleven Labs—that rely on Stripe Billing. These are some of the most closely watched players in the new wave of artificial intelligence, and their reliance on Stripe’s infrastructure suggests that the company is increasingly seen as a foundational layer not just for e-commerce, but for innovation itself.

With this slate of announcements, Stripe is making it clear that it no longer sees itself as merely a payments processor. It’s building toward becoming an all-in-one financial operating system for the internet economy—one that sits at the intersection of automation, compliance, global payments, and emerging technologies like AI and stablecoins.