The evolution of AI agents into autonomous digital executors is reshaping payment systems, according to a16z. Unlike traditional internet transactions, which involve direct user payments, agents operate continuously, forming long-term partnerships and utilizing stable supplier relationships, credit, and pre-negotiated terms. This shift suggests that traditional card-based payment systems may only handle a fraction of transactions, with programmable payment tools like stablecoins poised to play a larger role.
As agents increasingly resemble businesses, they require payment models that support B2B terms and credit systems, which current payment infrastructures struggle to accommodate. Stablecoins offer a promising solution, providing faster transactions, lower costs, and programmability. This adaptability makes them ideal for new payment scenarios, such as agent payments and high-frequency, low-value transactions. The transition to stablecoin-based systems could redefine payment networks, emphasizing long-term partnerships over one-time transactions.
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