Payouts.com co-founders Leor Ceder and Barak Hirchson highlight the transformative role of stablecoins in AI-driven commerce, emphasizing the importance of programmable control layers over traditional wallets. Juniper Research projects cross-border B2B stablecoin payments to surge from $13.4 billion in 2026 to $5 trillion by 2035, with B2B transactions comprising 85% of this value. Hirchson notes that stablecoins offer significant cost advantages over traditional methods like SWIFT, particularly in cross-border transactions and machine-to-API micropayments. The real value, according to Hirchson, lies in the programmable control layer that enforces enterprise policies, ensuring secure and efficient transactions. This layer includes features such as scoped credentials, hard spend caps, and cryptographically signed mandates. Ceder predicts that by 2027, the ability to specify agent permissions and enforce policies will be the key differentiator in the market. As industry momentum builds around new protocols like x402, the focus shifts to embedding compliance within the infrastructure, ensuring every transaction is secure and compliant.