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Cards vs stablecoins for agentic payments? Both. And here is why. Cuy Sheffield (Visa Crypto) and Jay Yu 🐟 (Pantera Capital) join our Stateful podcast, hosted by Mason Nystrom. In this episode, they cover everything at the intersection of payments, AI, and crypto: - Stablecoin supply up 40%, adjusted...

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Pantera Capital

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33,346 просмотров • 5 месяцев назад •via X (Twitter)

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So far, machine payments have mostly been about businesses accepting stablecoins. And stablecoins are great (cross-border, low cost, etc.)! But much of the planet is holding a card. 🤖 💳 🌎 Here’s a 📺 sneak peek demo from Steve Kaliski of how a business can programmatically accept cards via agents. As an example: Stripe Climate is a way to contribute to carbon removal funding. Stripe Climate implemented the Machine Payments Protocol using the Stripe API, so agents can make micropayment donations ( In addition to accepting stablecoin (specifically usdc on Tempo), agents can now pay with fiat methods, namely cards and Link (and soon buy-now-pay-laters) via Shared Payment Tokens (SPTs), using the same Machine Payments Protocol integration. Human buyers, their agents, and businesses each have their own preferred methods of payment. Humans often already have a card. Agents may prefer stablecoins. Businesses tend to want to accept any form of payment, as long as it is high conversion, low fraud, and properly priced. For microtransactions, stablecoins are a low-cost way (no fixed card fee) to transact. But if you want to tell your agent to donate $100 on your behalf, a card may be the preferred solution. If you’re a business and want to accept machine payments, whether over stablecoins, cards, Link, or other future methods, read about Shared Payment Tokens ( and sign up for our machine payments private preview: And stay tuned: more to make it easy for consumers, agents, and businesses to transact, shipping over the next few weeks. (And excuse the acronyms and specifics terms, there's a lot of new infrastructure and primitives being built to support agentic commerce.)
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21,635 просмотров • 5 месяцев назад

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Pantera Capital

20,895 просмотров • 6 дней назад

$4 trillion is stuck in legacy payment rails. Cross-border FX is still broken. OpenFX is fixing it. Prabhakar Reddy CEO of OpenFX joins our Stateful podcast, hosted by Mason Nystrom. In this episode, they discuss the future of money movement: - Zero to $40B+ annualized TPV in 18 months, 99.99% automated, 3 people on trade ops - Stablecoins replace SWIFT: cross-border settlement in under 60 minutes, 24/7 - FX spreads compressed by 90-95% in every market OpenFX enters - Agentic payments timeline just collapsed from 7-10 years to 24-36 months - Spot FX could grow from $2 trillion to $200 trillion a day as the pipes widen 00:59 Why Cross-Border FX Is Still Broken in 2025 03:35 GBP to MXN in Minutes: How Open FX Works 07:14 $4 Trillion Stuck in Transit Right Now 07:44 Zero to $40B TPV in 18 Months 09:07 The 3 Factors Behind Open FX's Explosion 12:08 Payments Is Going Through a Complete Upheaval 14:55 AI Agents Won't Wait 3 Days for Money to Move 16:42 Open FX Is Building the AWS of Money 17:10 Do Fintech Moats Still Exist? 18:40 Moving $100B in Crypto vs. 5 Days for Wires 19:40 Why Crypto Companies Die Without Compliance 20:14 Culture Is Just the Founder's Personality Scaled 22:08 The World Order Is Changing 23:22 Agent Payments: From 10 Years Away to 24 Months 24:35 Where a Payments Insider Would Bet Today 25:47 Why There's No Universal Founder Advice
27:35

$4 trillion is stuck in legacy payment rails. Cross-border FX is still broken. OpenFX is fixing it. Prabhakar Reddy CEO of OpenFX joins our Stateful podcast, hosted by Mason Nystrom. In this episode, they discuss the future of money movement: - Zero to $40B+ annualized TPV in 18 months, 99.99% automated, 3 people on trade ops - Stablecoins replace SWIFT: cross-border settlement in under 60 minutes, 24/7 - FX spreads compressed by 90-95% in every market OpenFX enters - Agentic payments timeline just collapsed from 7-10 years to 24-36 months - Spot FX could grow from $2 trillion to $200 trillion a day as the pipes widen 00:59 Why Cross-Border FX Is Still Broken in 2025 03:35 GBP to MXN in Minutes: How Open FX Works 07:14 $4 Trillion Stuck in Transit Right Now 07:44 Zero to $40B TPV in 18 Months 09:07 The 3 Factors Behind Open FX's Explosion 12:08 Payments Is Going Through a Complete Upheaval 14:55 AI Agents Won't Wait 3 Days for Money to Move 16:42 Open FX Is Building the AWS of Money 17:10 Do Fintech Moats Still Exist? 18:40 Moving $100B in Crypto vs. 5 Days for Wires 19:40 Why Crypto Companies Die Without Compliance 20:14 Culture Is Just the Founder's Personality Scaled 22:08 The World Order Is Changing 23:22 Agent Payments: From 10 Years Away to 24 Months 24:35 Where a Payments Insider Would Bet Today 25:47 Why There's No Universal Founder Advice

Pantera Capital

17,451 просмотров • 5 месяцев назад

Plaid CEO Zachary Perret says AI agents will rely on credit cards, not stablecoins, for payments in the near term: "For as far as I can see, which in this environment is maybe a year or something like that, I think agents using credit cards is going to be by far the primary thing that happens." "The reason for that is merchants accept credit cards. Merchants don’t accept stablecoins, for the most part, for most of the things that a consumer wants to do." "Now, over time, certain types of merchants might start to accept stablecoins. The question is: will the companies that care about making credit cards really easy be able to make them sufficiently easy in the amount of time before merchants actually start thinking about accepting stablecoins?" "And my hunch is, you’ve seen, I think Ramp actually launched an agentic credit card... I know there’s a bunch of other agentic credit cards that are out there, and I can’t imagine that there will not be 5,000 YC companies launching agentic-focused credit cards soon." "So I think we will see more and more options pop up. That’s not to say I’m not a believer in stablecoins. I think it’d be super cool, but I just don’t think it’s realistic in a short time frame."
1:14

Plaid CEO Zachary Perret says AI agents will rely on credit cards, not stablecoins, for payments in the near term: "For as far as I can see, which in this environment is maybe a year or something like that, I think agents using credit cards is going to be by far the primary thing that happens." "The reason for that is merchants accept credit cards. Merchants don’t accept stablecoins, for the most part, for most of the things that a consumer wants to do." "Now, over time, certain types of merchants might start to accept stablecoins. The question is: will the companies that care about making credit cards really easy be able to make them sufficiently easy in the amount of time before merchants actually start thinking about accepting stablecoins?" "And my hunch is, you’ve seen, I think Ramp actually launched an agentic credit card... I know there’s a bunch of other agentic credit cards that are out there, and I can’t imagine that there will not be 5,000 YC companies launching agentic-focused credit cards soon." "So I think we will see more and more options pop up. That’s not to say I’m not a believer in stablecoins. I think it’d be super cool, but I just don’t think it’s realistic in a short time frame."

TBPN

52,930 просмотров • 6 месяцев назад