Bharath SrivatsanSoftware

Work

I am currently a senior staff engineer and the product architect for Stripe's front door integrations (Checkout, Billing, and Payments). Previously, I was an engineering lead for Agentic Commerce, Stripe Orchestration, and Stripe Treasury, among others.

I specialize in API design, having shaped the latest evolution of our payments APIs, our Payment Methods APIs, our agentic commerce APIs, and our money movement API foundations. I've also reviewed over 50 proposals over six years as an API reviewer, for products as wide-ranging as Radar, Terminal, and Billing.

If you'd like to chat APIs, shoot me an email!

Bharath on stage at Stripe Sessions

Patents

Generating Tokens for AI Agents (Token Workflow)

End-to-end constrained access token generation for AI agent payment sessions, with merchant-scoped constraints and direct execution. Filed 2025.

Generating Tokens for AI Agents (Virtual Card Conversion)

Token-to-virtual-card conversion path for remote execution, generating temporary credentials with inherited constraints. Filed 2025.

Generating Tokens for AI Agents (Fraud Scoring)

Two-stage fraud scoring for AI agent sessions with score drift detection between token generation and execution. Filed 2025.

Detection and Blocking of Unauthorized AI Agent Operations

Privacy-preserving detection of unauthorized operations in AI agent payment channels with configurable step-up authentication. Filed 2025.

Predicting Network Operations Initiated by Automated Processes

Detecting bot and automated abuse of AI agent payment channels, distinguishing non-human activity from legitimate agent use. Filed 2025.

Asynchronous Scheduling and Processing of Network Events

ML-driven async payment processing with two-stage pipeline for success prediction and optimal retry timing. Filed 2025.