Pine Labs collaborates with OpenAI to engineer the era of Agentic Commerce in India

Pine Labs is fundamentally redefining the Indian fintech landscape by integrating OpenAI’s API models into its core infrastructure, marking a shift toward Agentic Commerce. Operating within a market projected to reach USD 1.5 trillion in 2026, Pine Labs is leveraging India’s massive real-time payment volume—exceeding 180 billion annual transactions—to scale frontier AI. This collaboration moves beyond traditional automation, embedding a reasoning layer directly into the merchant ecosystem to transform how financial workflows are engineered and executed.

The technical core of this evolution lies in the transition from deterministic processing to probabilistic reasoning. Instead of relying on rigid "if/then" logic, the new AI-native stack allows systems to understand context and weigh outcomes within secure, compliant guardrails. This enables the delegating of entire financial lifecycles to intelligent agents, allowing for autonomous actions such as self-negotiating supplier terms or optimising cross-border settlements, all while maintaining the high-fidelity execution required for regulated financial finality.

By opening this agentic stack to its developer ecosystem, Pine Labs is establishing a new global standard for autonomous commerce. Every merchant, from local SMEs to global enterprises, can now access a foundation that thinks and grows by default, turning conversational AI from a tool for discovery into a mandate for action. This deployment ensures that as money moves through sophisticated rails like UPI Reserve Pay, it is guided by enterprise-grade intelligence that operates within a secure, audited environment designed for the future of global business.

About the Company

Pine Labs Limited is a leading technology company dedicated to digitizing commerce through robust digital payment and issuing solutions across India and global markets, including Southeast Asia, the Middle East and the United States. By leveraging an advanced infrastructure, the company accelerates the digital transformation for a diverse clientele of merchants, consumer brands and financial institutions. Its digital payments vertical provides a comprehensive, one-stop software suite that ensures secure multi-channel experiences, complemented by integrated affordability tools and specialized fintech infrastructure designed to streamline complex financial operations.

The company’s issuing business delivers a full-stack, end-to-end technology service encompassing physical prepaid instruments, gift cards and distribution solutions for the retail, travel and hospitality sectors. With a massive international footprint, Pine Labs provides prepaid services across regions such as Australia and the USA, while its Credit+ platform supports financial ecosystems in India, Sri Lanka and Africa. This dual focus on versatile payment processing and sophisticated issuing technology positions the firm as a critical enabler of modern commerce and consumer loyalty on a global scale.

Disclaimer: The article is for informational purposes only and not investment advice.