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Agentic commerce is a payments problem in an AI costume

May 28, 20269 min read

Everyone wants to talk about the agent that goes and buys things for you. The demo is fun. The demo is also the easy part.

The real surface area

The moment an agent moves money, the interesting problems are old ones in new clothes: authorization, settlement, holdbacks, refunds, and the long tail of what happens when something goes wrong. None of that is an AI problem. It is a payments problem, and payments has spent decades getting the edges right.

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