Tereina Launches AI-Driven Agentic Payments Platform Backed by SAP

Tereina has launched an embedded payment platform designed to bridge the gap between traditional fiat and digital currency rails using AI-driven agentic capabilities. For fintech professionals, this represents a significant step in the "autonomous enterprise" movement, allowing finance teams to automate complex B2B settlements directly within existing business applications like SAP.

What was announced

Tereina’s platform is built on the premise that B2B payments are shifting toward an embedded, digital, and agentic model. The technology allows finance teams to execute and optimize payments either manually or via AI agents. A core feature is the ability to settle transactions across both traditional fiat rails and digital-currency rails, specifically stablecoins, which the company identifies as a practical, borderless solution for modern business. The system is designed to settle every transaction on whichever currency—fiat or stablecoin—best fits the specific needs of the user and their suppliers.

The service is currently available to SAP customers as "SAP Pay," covering a wide range of transaction types including supplier, incoming, employee, and intracompany payments. For non-SAP environments, the capabilities are accessible through API integration. Tereina claims its "zero-touch" routing eliminates manual exception points often targeted by fraud, while offering a no-code integration process that is available instantly. The company aims to reduce the total cost of ownership for business payments by 25% against what businesses pay today on average. By utilizing stablecoins and, eventually, tokenized deposits, the platform seeks to reduce settlement times from days to near-instant, which improves working capital management and reduces the time required for reconciliation.

"Total B2B payment volume is expected to exceed $200 trillion by 2030, fueling even faster global commerce. Businesses deserve the best of what's possible today and what's coming next. We're proud to bring our customers best-in-class financial services alongside our technology, banking, issuing, and fintech partners – starting with the future of payments: embedded, digital, and agentic. Tereina is making that future available now."

Cedric Bru, CEO at Tereina

The companies involved

Tereina enters the market as a financial services provider specifically focused on embedding agentic capabilities into enterprise workflows. The company is backed by SAP, the global leader in enterprise resource planning (ERP) software, which provides a massive immediate footprint for its "SAP Pay" product. Tereina is led by CEO Cedric Bru, who also serves as CEO of SAP Taulia, a major player in the working capital management space. This leadership overlap suggests a deep integration between Tereina’s payment rails and the broader supply chain finance ecosystem.

SAP itself is a cornerstone of the global economy, with its software powering the operations of the world's largest enterprises. By backing Tereina, SAP is deepening its involvement in the financial services layer of the tech stack. The involvement of Winncom Technologies, represented by CFO Vladimir Fedoroff, highlights the platform's target audience: mid-to-large scale enterprises dealing with complex, multi-rail supplier processes. This positioning places Tereina at the intersection of traditional ERP systems and the emerging decentralized finance (DeFi) infrastructure, aiming to make digital assets a standard part of corporate treasury.

What FF News has reported before

FF News has closely followed the evolution of SAP’s financial ecosystem and the rise of autonomous enterprise tools. We recently reported on how Tereina and Circle Partner to Embed USDC and EURC into SAP Cloud ERP for Enterprise Payments, a move that signaled the company's intent to normalize stablecoin usage in B2B transactions. This launch follows closely on the heels of broader corporate initiatives, such as when SAP Launches Joule Work and Embedded Payments to Power the Autonomous Enterprise. Additionally, the industry-wide push for faster settlement was highlighted when Contour Convenes Industry Leaders on Unlocking Velocity in Global “Trade to Payments” Flow, and the trend toward AI-integrated security was seen when Eftsure Acquires Relish to Create Global Leader in AI-Powered Enterprise Payment Assurance.

What this means

The launch of Tereina signals a maturing of the "agentic" finance trend, moving beyond simple automation into autonomous decision-making within the payment rail. By integrating stablecoins directly into the SAP ecosystem, the company is effectively bypassing the traditional barriers to entry for digital assets in the corporate world—namely, the need for specialized expertise or separate systems. This puts significant pressure on traditional correspondent banking networks, which struggle to match the speed and cost-efficiency of stablecoin settlement. The industry must now grapple with how quickly finance teams will trust AI agents to manage multi-million dollar liquidity flows without manual oversight, and whether traditional banks can pivot fast enough to remain relevant in an embedded-first world.