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Your next customer may never visit your website

Increasingly, customers turn to a personal AI assistant that discovers, compares, and buys on their behalf. The journey is shifting from customer → store toward customer → agent → agent → merchant. We make your offer discoverable and usable by those agents, and help banks become the trusted home for them.

The shift to agent-to-agent commerce

A customer no longer searches for products themselves. They tell their assistant, “I need an outfit for a summer garden wedding.” The agent asks a few follow-up questions, reaches out to multiple merchants, gathers and compares offers, and comes back with: “Out of 27 offers reviewed, these are the three I recommend.” The entire process happens between agents.

For years, businesses competed for visibility in search, ads, and marketplaces. Now they also have to be discovered, understood, and evaluated by agents acting on behalf of customers, because the customer may never see the storefront at all.

The shift to agent-to-agent commerce

Two questions every business now has to answer

First: how do you make sure a customer’s agent can find, understand, and use your offer? Second: who owns the customer relationship through the personal assistant? Banks are uniquely placed here. They already hold customer trust, understand financial behavior, and sit inside many purchasing decisions, which makes them a natural home for trusted personal agents acting on behalf of users.

Two questions every business now has to answer

See agentic commerce in action

A personal shopping assistant sources a complete outfit across multiple merchants, entirely through agent-to-agent conversation.

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AI Agents That Ship in Production Commerce Stacks

Agentic commerce is not a chatbot bolted onto a storefront. It is a full stack — protocol integrations, catalog hygiene, RAG grounding, tool use, guardrails, observability, and A/B testing — built to handle real traffic, real SKUs, and real checkout flows. We do all of it, and we do it for retailers, marketplaces, D2C brands, and B2B commerce operators who cannot afford to experiment with their revenue channels.

ACP, UCP & MCP Protocol Integration
ACP, UCP & MCP Protocol Integration
Make your catalog transactable inside ChatGPT, Google AI Mode, Gemini, Claude, and Copilot through the three protocols that matter: ACP, UCP, and MCP.
Conversational Product Discovery
Conversational Product Discovery
Natural-language search and configurators grounded in your catalog through hybrid retrieval — semantic vectors for intent plus BM25 for exact SKU matches. Production deployments show 34% conversion and 18% AOV lift.
Autonomous Returns & Exchanges Agents
Autonomous Returns & Exchanges Agents
Agents that read order context, validate eligibility, generate shipping labels, issue refunds, and escalate sentiment-flagged cases to humans. Full audit trail and policy guardrails for regulated markets.
Post-Purchase & WISMO Deflection
Post-Purchase & WISMO Deflection
Order tracking, predictive ETA, proactive issue detection, and lifecycle messaging agents that integrate with carriers and your CRM. Documented impact: 42% reduction in "where is my order" tickets.
Catalog Enrichment & PIM-Side AI
Catalog Enrichment & PIM-Side AI
LLM pipelines that auto-generate descriptions, extract attributes from product images, normalize specs, and translate copy — tuned to the distinct schemas each AI channel demands. Essential for B2B marketplaces with 100k+ SKUs.
Personalized Merchandising & Dynamic Pricing
Personalized Merchandising & Dynamic Pricing
Multi-agent systems that manage promotions, pricing, and merchandising decisions with human approval loops. Documented impact: 6–10% revenue lift, 25% lower ops costs, 60% fewer pricing errors.
Marketplace Seller Onboarding Agents
Marketplace Seller Onboarding Agents
For marketplace operators: agents that onboard new sellers in days by ingesting any catalog format, auto-mapping to your taxonomy, and generating missing attributes. Catalist cut onboarding from 4–6 weeks to 3 days.
Generative Engine Optimization (GEO)
Generative Engine Optimization (GEO)
The new SEO. We restructure product content, schema.org markup, structured feeds, and review data so your products win inside ChatGPT, Google AI Mode, Perplexity, and Copilot product answers. 33% of retailers have not started — the early movers will be uncatchable in 12 months.

The Agentic Commerce Moment

$5T
Agentic Commerce by 2030
70%
Cart Abandonment Rate
86%
Trust AI Recommendations
Karol Stepięń
Karol Stepięń
CEO, 10Clouds Financial Institutions

Powered by AIConsole — Our Agentic Commerce Platform

We do not start from scratch for every engagement. AIConsole is our enterprise AI integration platform that orchestrates agents, catalog data, and protocol integrations — the foundation we build every agentic commerce project on.

GET A READINESS AUDIT

Why Retailers & Marketplaces Choose 10Clouds for Agentic Commerce

Production-Grade, Not POC-Grade
Production-Grade, Not POC-Grade

Every retail agent we ship has an eval harness, hallucination monitoring, conversation replay tooling, and per-conversation cost dashboards. We build for real traffic on day one — not demos.

We Implement ACP, UCP, and MCP. They Don’t.
We Implement ACP, UCP, and MCP. They Don’t.

Most agencies are still pitching MACH replatforms. We ship on the actual standards powering agentic commerce: OpenAI + Stripe’s Agentic Commerce Protocol, Google + Shopify’s Universal Commerce Protocol, and Anthropic’s Model Context Protocol. Your agents work wherever shoppers are — without rewrites.

Hybrid Retrieval That Actually Works
Hybrid Retrieval That Actually Works

Pure vector search fails on exact SKU queries. Pure keyword fails on intent. We run BM25 + dense vector hybrid with re-ranking, grounded in your live catalog — because fabricated product specs are a brand-risk incident, not a rounding error.

Integration, Not Replacement
Integration, Not Replacement

We embed into your Shopify, Magento, BigCommerce, commercetools, or custom stack — not around it. Average production deployment touches 8–15 systems. We do the long-pole integration work.

Compliance Rigor from Financial Services
Compliance Rigor from Financial Services

GDPR consent for personalization, PCI scope for payment-completing agents, disclosure injection for BNPL and regulated categories, jurisdictional returns rules. We bring the audit-trail discipline most retail agencies skip.

Claude Partner Network — Select Partner
Claude Partner Network — Select Partner

As a Select partner in the Claude Partner Network, we deploy Claude Code and Claude Cowork workflows, and we train your engineering team to maintain and extend the agents themselves — so you are not locked into a vendor for the next decade.

We are appreciated by the largest industries

Top AI Company 2025

According to

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Top Generative AI Company 2025

according to

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Among Top 1000 Companies of 2024

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Top 15 Design Team in the World

According to

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How We Deliver Agentic Commerce Projects

Channel & Catalog

Readiness Audit

We map your commerce stack (platform, OMS, PIM, CRM, payments) and audit catalog quality against the schema requirements of each target AI channel. Output: prioritized integration backlog and a data quality fix list.

Use Case Pilot

& Guardrail Design

We pick one high-volume, low-regret pilot — typically WISMO deflection, returns automation, or category-specific discovery. We define topic guardrails, escalation triggers, and hallucination caps (< 5% for production).

Agent Build

With RAG and Tool Use

We implement the agent with hybrid retrieval (Pinecone, Qdrant, Weaviate) and wire tools to your actual order, catalog, customer, and payment APIs. The eval suite is built alongside the agent — not after.

Shadow Deploy

& Human-in-the-Loop Tuning

Agents run in shadow mode against real traffic while we compare decisions to your human agents. We measure hallucination rate, escalation accuracy, and tool-call correctness — then tune on real failures, not synthetic tests.

Phased Rollout

& Continuous Optimization

Roll out by traffic percentage or customer segment. Conversion lift, AOV, deflection, CSAT, and cost-per-resolution go into a live dashboard. Weekly failure analysis and prompt/retrieval tuning cadence.

Ready to Ship Agents That Sell?

Whether you want a focused WISMO deflection pilot or a full multi-channel commerce platform, we build agents that move metrics — not demos.

DISCUSS YOUR ROADMAP
/03Selected work

Recent AI Projects We Have Delivered

Production AI systems for financial institutions: credit automation, agentic client research, tender intelligence, and identity verification, each running on real data for real users.

Credit Assessment AI Dashboard

Automating the credit assessment process — 79% reduction in analysis time through a unified analyst dashboard built on Microsoft Dynamics 365 and Generative AI.

79%
Faster analysis
698h
Analyst hours saved per month
81%
Fewer application switches
AI/ML
UX Design
Development
Development
Credit Assessment AI Dashboard case study image

AI-Powered Sales Research Tool

AI-powered company research for factoring sales — 50% faster client preparation, 96/100 SUS usability score, deployed across the sales team.

50%
Faster client preparation
96
SUS usability score
85%
Fewer source switches
AI/ML
Product Design
Product Design
AI-Powered Sales Research Tool case study image

AI Tender Intelligence

An AI system that screens 5,000 public tenders daily, extracts data from PDFs and government portals, verifies contractor creditworthiness in seconds, and delivers only verified, high-quality leads to the sales team.

5,000
Tenders screened daily
Seconds
Creditworthiness check
24/7
Continuous monitoring
AI/ML
Process Automation
Process Automation
AI Tender Intelligence case study image

AI Recruiter

We built an AI interviewing system that verifies candidate identity before conducting screening interviews. Facial recognition compares live video to application photos in 60 seconds, with anti-spoofing checks that catch impersonators and deepfakes. Companies save 30-60 minutes per fake candidate by flagging fraud before any recruiter time is invested.

AI Automation
AI Automation
AI Recruiter case study image

Choose the Right Engagement Model

Readiness Audit & Pilot

A 4–6 week focused engagement: channel and catalog audit, one pilot use case (WISMO, returns, or discovery), shadow deployment, and a path-to-production report. Fixed scope, fixed price.

Managed Agent Delivery

We own a defined agentic commerce initiative end to end — architecture, build, integration, eval, rollout, and optimization. Your team stays focused on merchandising and marketing while we ship the AI layer.

Commerce Transformation

Full agentic commerce platform build or modernization: multi-channel (MCP, UCP, voice, messaging), catalog enrichment pipeline, personalization, post-purchase, and team enablement. Typically 3–6 months.

Agentic Commerce FAQ

What is agentic commerce and how is it different from a chatbot?

Agentic commerce is AI that can complete commerce tasks autonomously — discover products, compare options, answer questions grounded in your catalog, initiate checkout, handle returns, and escalate edge cases to humans. A chatbot answers questions. An agent does the thing. The difference matters because production agents need tool use, RAG grounding, guardrails, observability, and eval harnesses that chatbots do not.

Do we need to replace our Shopify / Magento / commercetools stack?

No. We explicitly build around your existing platform. Shopify’s Storefront MCP, Customer Accounts MCP, and Checkout MCP let us connect agents to your catalog and orders without rewrites. For Magento, BigCommerce, commercetools, and custom stacks, we use headless APIs and embedded widgets. Average production deployment touches 8–15 systems; we do that integration work.

How do you prevent the agent from hallucinating prices, specs, or policies?

Tight RAG grounding in your live catalog, hybrid retrieval (BM25 + dense vectors) for accurate matching, output validation against source documents, and topic guardrails that refuse to answer outside known data. Production target is < 5% hallucination rate, measured continuously. Anything above that is a brand-risk incident, and we design for that reality from day one.

How long does a first agentic commerce project take?

A focused pilot — one use case, one channel — typically ships in 8–12 weeks from kickoff to shadow deployment. Full production rollout adds 2–4 weeks of real-traffic tuning. Complex multi-channel or multi-agent platforms take 4–9 months. We always start with a scoped pilot that delivers measurable value before expanding.

Can the agent sell through ChatGPT, Google AI Mode, Gemini, and Copilot natively?

Yes — three different protocols power this. OpenAI + Stripe’s Agentic Commerce Protocol (ACP) runs ChatGPT Instant Checkout. Google + Shopify’s Universal Commerce Protocol (UCP) powers Google AI Mode, Gemini, and Microsoft Copilot. Anthropic’s Model Context Protocol (MCP) powers Claude. We implement all three so your catalog becomes sellable inside every agent channel through a single integration layer.

What about checkout fraud when an AI agent is paying on behalf of a human?

This is what Stripe’s Shared Payment Tokens (SPTs) and Stripe Radar’s agent-traffic fraud model were built for. SPTs let an agent charge a saved payment method without ever seeing the credentials, and Radar’s fraud signals are now tuned for agent traffic (because human-fraud signals are obsolete). We implement ACP with these primitives from day one — not as an afterthought.

What ROI should we expect, and how is it measured?

Documented production outcomes: 34% conversion lift and 18% AOV lift on AI-engaged sessions, 42% reduction in WISMO tickets, 42% increase in repeat purchases, 6–10% revenue lift from personalized merchandising, 60% fewer pricing errors. Industry benchmark is $3.50 return per $1 invested, top performers hit $8 per $1. We wire conversion lift, AOV, deflection, CSAT, and cost-per-resolution into a live dashboard so ROI is visible in real time.

What about returns, disputes, and regulated categories (BNPL, alcohol, financial products)?

This is where our financial-services background matters. We build audit trails, disclosure injection for regulated categories, jurisdictional returns logic (EU 14-day cooling off, US state-level variance), GDPR consent management for personalization data, and PCI scope containment for payment-completing agents. Most retail agencies skip this. We treat it as table stakes.

How do you handle the cost explosion of agentic flows?

Agentic flows can chain 20–50 LLM calls per request. Without monitoring, monthly bills surprise everyone. We use model routing (cheap models for classification, expensive for generation), aggressive caching, prompt compression, and small-model fine-tuning for high-volume narrow tasks. Every deployment includes per-conversation cost dashboards and monthly budget alerts.

The Team Behind Your Project

Senior leadership directly involved in every agentic commerce engagement.

Karol Stepięń
Karol Stepięń
CEO, 10Clouds Financial Institutions
Maciej Cielecki
Maciej Cielecki
Co-Founder, Head of AI
Agnieszka Zygmunt
Agnieszka Zygmunt
Head of UX

What Our Clients Say

90+ Clutch reviews with an average score of
4.9
The design and React frontend have generated positive feedback from customers. 10Clouds received praise for their quality.
Omise Team
Product at Omise, Omise
10Clouds can always find the best developer for a project. I am often impressed by the quality of work they deliver. I appreciate their knowledge, discipline, code of conduct, and creativity.
Xuchen Yao
Founder at Chatflow, Chatflow

Get Started With Agentic Commerce

Tell us about your commerce stack and target channels — we will respond with a concrete readiness audit proposal within 24 hours.