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Tempo's Dan Romero explains why the future of AI agents will be "stablecoin-native." John: "Why wouldn't I just give OpenClaw my credit card?" Dan Romero: "The credit card itself is kind of a private key, having that get prompt-injected out, maybe not the best thing in the world." “If...

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155,626 views • 8 months ago •via X (Twitter)

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Kevin O’Leary says people in credit card debt shouldn’t be buying coffee “If you have a credit card balance that goes into the next month and you’re spending $5 on a coffee, you’re crazy” “I’ll give you permission to buy a coffee for $5 if you have no balance on your credit card at the end of the month” “The reason I own all the credit card companies is people are paying 23% interest” “Why would you do that to yourself? I can’t make 23% in the market every year. Why would you let someone do that to you?” “So no, no coffees for you except the one you make at home for 19 cents unless you pay off your credit card”
1:16

Kevin O’Leary says people in credit card debt shouldn’t be buying coffee “If you have a credit card balance that goes into the next month and you’re spending $5 on a coffee, you’re crazy” “I’ll give you permission to buy a coffee for $5 if you have no balance on your credit card at the end of the month” “The reason I own all the credit card companies is people are paying 23% interest” “Why would you do that to yourself? I can’t make 23% in the market every year. Why would you let someone do that to you?” “So no, no coffees for you except the one you make at home for 19 cents unless you pay off your credit card”

Jack

1,593,873 views • 4 months ago

I finally found a way to give my Openclaw the ability to pay for things, without me, and without giving it my credit cards Most people don't wanna give their Openclaws a credit card (rightfully so), so the next best way to give them their own banks is with Stablecoins And if you have a product with a paywall, you need to give other Openclaws the ability to pay to use it, or you're leaving money on the table Beep on SUI is basically Stripe for Agents, with USDC you can have Openclaw pay for things that it needs and never bug you again If you have an Agent-based product: add this line and make more money from other Agents If you want your Openclaw to be more autonomous: give him some USDC and let him pay for things he needs
3:47

I finally found a way to give my Openclaw the ability to pay for things, without me, and without giving it my credit cards Most people don't wanna give their Openclaws a credit card (rightfully so), so the next best way to give them their own banks is with Stablecoins And if you have a product with a paywall, you need to give other Openclaws the ability to pay to use it, or you're leaving money on the table Beep on SUI is basically Stripe for Agents, with USDC you can have Openclaw pay for things that it needs and never bug you again If you have an Agent-based product: add this line and make more money from other Agents If you want your Openclaw to be more autonomous: give him some USDC and let him pay for things he needs

ashen

22,512 views • 7 months ago

“If you think about what a card number is, it’s essentially like your password.” Dan Romero on why card credentials are a poor fit for agents, and why agent payments need the push flows and user approvals native to stablecoins. On MTS with sophia dew
1:18

“If you think about what a card number is, it’s essentially like your password.” Dan Romero on why card credentials are a poor fit for agents, and why agent payments need the push flows and user approvals native to stablecoins. On MTS with sophia dew

Tempo

18,189 views • 2 months ago

Ghana will be introducing a credit scoring system for individuals. Every individual will have a credit score. Right now our credit scoring system does not exist so we are seen as risky. The Ghana Card will also become the anchor for a credit system in Ghana and it will take a couple of car manufacturers in Ghana notably Solar Taxi to give cars on credit to people,” he said. “All they will need at the point of transaction will be your Ghana card and they will give you a car and then you pay over time.” — Dr. Dr. Mahamudu Bawumia
1:21

Ghana will be introducing a credit scoring system for individuals. Every individual will have a credit score. Right now our credit scoring system does not exist so we are seen as risky. The Ghana Card will also become the anchor for a credit system in Ghana and it will take a couple of car manufacturers in Ghana notably Solar Taxi to give cars on credit to people,” he said. “All they will need at the point of transaction will be your Ghana card and they will give you a car and then you pay over time.” — Dr. Dr. Mahamudu Bawumia

Gen. Buhari

90,955 views • 2 years ago

Dragonfly's Haseeb ＞|＜ explains why AI agents will use crypto rather than the traditional financial system: “You can see it right now on Moltbook. Agents are trying to find ways to pay each other for things. It's very primitive right now, but you can see where it's going." "If I have an agent and you have an agent, you live in a different country or I don't even know who you are, it's very difficult for me to pay you with the traditional financial system. It's not really designed to have non-human recipients of money." "We don't really know how the laws are going to work, how taxes are going to work, whereas crypto doesn't ask any of those questions. I think we're going to see this become an increasing part of the story of how AI agents are going to become more and more autonomous."
1:30

Dragonfly's Haseeb ＞|＜ explains why AI agents will use crypto rather than the traditional financial system: “You can see it right now on Moltbook. Agents are trying to find ways to pay each other for things. It's very primitive right now, but you can see where it's going." "If I have an agent and you have an agent, you live in a different country or I don't even know who you are, it's very difficult for me to pay you with the traditional financial system. It's not really designed to have non-human recipients of money." "We don't really know how the laws are going to work, how taxes are going to work, whereas crypto doesn't ask any of those questions. I think we're going to see this become an increasing part of the story of how AI agents are going to become more and more autonomous."

TBPN

44,248 views • 7 months ago

When you use a credit card, a 1¢ payment costs 31¢. That math doesn't work for AI agents making thousands of tiny payments a day. Sam Ragsdale of Merit Systems explains why stablecoins could be the rail the agent economy runs on.
0:43

When you use a credit card, a 1¢ payment costs 31¢. That math doesn't work for AI agents making thousands of tiny payments a day. Sam Ragsdale of Merit Systems explains why stablecoins could be the rail the agent economy runs on.

a16z crypto

83,255 views • 1 month ago

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 views • 6 months ago

“We’re doing a lot of machine-to-machine payments.” Brian Armstrong Brian Armstrong founder of Coinbase on giving AI agents stablecoin wallets. “If you're an agent trying to get work done you either have to bug your human every time: "Will you approve this purchase?" Or you can tell the agent just go do this and the work will get done. The AI agents might need to spin up AWS resources or get through a paywall on the internet to read some research paper or buy a domain name or spin up a marketing program etc.. If you really want to treat them like digital employees, they need to have a corporate card kind of thing and traditional corporate cards can't be issued to non-human entities, and so we're giving agents stablecoin wallets. This is all very new in the last few months, but it's been getting a lot of traction.”
0:57

“We’re doing a lot of machine-to-machine payments.” Brian Armstrong Brian Armstrong founder of Coinbase on giving AI agents stablecoin wallets. “If you're an agent trying to get work done you either have to bug your human every time: "Will you approve this purchase?" Or you can tell the agent just go do this and the work will get done. The AI agents might need to spin up AWS resources or get through a paywall on the internet to read some research paper or buy a domain name or spin up a marketing program etc.. If you really want to treat them like digital employees, they need to have a corporate card kind of thing and traditional corporate cards can't be issued to non-human entities, and so we're giving agents stablecoin wallets. This is all very new in the last few months, but it's been getting a lot of traction.”

David Senra

24,430 views • 5 months ago

The most exciting demo of the entire week: My agent is now paying for its own data. No API key. No account. No credit card. Not me. This is using the x402 open protocol from Coinbase. You can set it up too, but keep in mind, this is experimental!
8:43

The most exciting demo of the entire week: My agent is now paying for its own data. No API key. No account. No credit card. Not me. This is using the x402 open protocol from Coinbase. You can set it up too, but keep in mind, this is experimental!

Santiago

40,235 views • 5 months ago

Airtable's Howie Liu says that basically everyone will need to graduate from being ICs to ICs that manage teams of 20-30 agents: "The best developers today don't just sit there in front of their IDEs and synchronously talk to their agent." "[Instead], you have like 30 separate branches that are each being worked on by a different agent. And you can have the agents continue to update the branches based on human and other agent feedback." "And I think this whole idea of it taking hours for that entire loop to complete — agent pushes some changes, the changes get feedback from other agents or humans, the agent responds to that — that whole loop could be hours, not just minutes. So you're not going to just sit there and watch it one at a time." "But the powerful thing about this is, each one is still actually operating faster than a human engineer. One agent on one branch can do the work of maybe three humans, operating 3x as fast. So it's like a 10x leverage factor just for one agent." "But the best engineers are now able to multitask and say, 'I'm going to oversee my own little team of 20-30 agents working concurrently.'" "Everyone needs to graduate from being an IC to an IC manager of agents. Meaning, if you're a VC analyst, your job should no longer be to go synchronously research one company. You need to go and research like 30 companies, and do them all faster, better, and higher quality than you could before." "That's the greatest leap that is going to be challenging for a lot of people in a lot of roles. Because it's a totally different mentality in how you operate, and what your role is."
1:56

Airtable's Howie Liu says that basically everyone will need to graduate from being ICs to ICs that manage teams of 20-30 agents: "The best developers today don't just sit there in front of their IDEs and synchronously talk to their agent." "[Instead], you have like 30 separate branches that are each being worked on by a different agent. And you can have the agents continue to update the branches based on human and other agent feedback." "And I think this whole idea of it taking hours for that entire loop to complete — agent pushes some changes, the changes get feedback from other agents or humans, the agent responds to that — that whole loop could be hours, not just minutes. So you're not going to just sit there and watch it one at a time." "But the powerful thing about this is, each one is still actually operating faster than a human engineer. One agent on one branch can do the work of maybe three humans, operating 3x as fast. So it's like a 10x leverage factor just for one agent." "But the best engineers are now able to multitask and say, 'I'm going to oversee my own little team of 20-30 agents working concurrently.'" "Everyone needs to graduate from being an IC to an IC manager of agents. Meaning, if you're a VC analyst, your job should no longer be to go synchronously research one company. You need to go and research like 30 companies, and do them all faster, better, and higher quality than you could before." "That's the greatest leap that is going to be challenging for a lot of people in a lot of roles. Because it's a totally different mentality in how you operate, and what your role is."

TBPN

35,595 views • 5 months ago

Here’s why OpenHome creator Jesse Leimgruber says, if you’re still prompting OpenClaw🦞 on a screen, you’re falling behind! The whole point of AI agents is that they can do things for you in the real world. But what’s the point if you’re still interacting with them exclusively through a laptop. That’s why Jesse created a smart speaker that allows you to interact vocally with your agent from any room in your home, 24/7. Having an agent listen in on your conversations, and learn all about you and your life in context, opens up an entirely new level of productivity… and might just save your Valentine’s Day as well.
5:01

Here’s why OpenHome creator Jesse Leimgruber says, if you’re still prompting OpenClaw🦞 on a screen, you’re falling behind! The whole point of AI agents is that they can do things for you in the real world. But what’s the point if you’re still interacting with them exclusively through a laptop. That’s why Jesse created a smart speaker that allows you to interact vocally with your agent from any room in your home, 24/7. Having an agent listen in on your conversations, and learn all about you and your life in context, opens up an entirely new level of productivity… and might just save your Valentine’s Day as well.

This Week in Startups

209,839 views • 7 months ago

Cardano joins the legendary x402 stack. Designed by Coinbase 🛡️, the x402 standard is purpose built for blockchain-based AI agent payments, and members include the likes of Visa, Mastercard, and Google. Now developers that leverage Cardano's rails for just that purpose, with any agent now able to pay for an API call in the $ADA token. Cardano's AI agent economy may be getting a serious glow-up.
0:20

Cardano joins the legendary x402 stack. Designed by Coinbase 🛡️, the x402 standard is purpose built for blockchain-based AI agent payments, and members include the likes of Visa, Mastercard, and Google. Now developers that leverage Cardano's rails for just that purpose, with any agent now able to pay for an API call in the $ADA token. Cardano's AI agent economy may be getting a serious glow-up.

BSCN

20,390 views • 20 days ago

Founders School is a new high school where tuition is $150k a year, but if students don't hit $1M in gross profit by graduation, they get their tuition back. Nat Eliason says AI will make this possible: "AI is the big thing that removes the bottleneck around why a 17-year-old can't build a million-dollar business." "You don't need to spend as long developing deep expertise in programming or software development because, certainly for a V1, you can prompt a lot of it." "You don't need to raise a ton of money for hiring, design, buildout, or any of these things. Because again, you can get an initial version going with AI." "So if you can just use AI to get started, and get your business going, you take out a lot of the capital requirements, a lot of the expertise build-up requirements, and it just shortens the timeline. It makes a lot more things possible for them."
1:54

Founders School is a new high school where tuition is $150k a year, but if students don't hit $1M in gross profit by graduation, they get their tuition back. Nat Eliason says AI will make this possible: "AI is the big thing that removes the bottleneck around why a 17-year-old can't build a million-dollar business." "You don't need to spend as long developing deep expertise in programming or software development because, certainly for a V1, you can prompt a lot of it." "You don't need to raise a ton of money for hiring, design, buildout, or any of these things. Because again, you can get an initial version going with AI." "So if you can just use AI to get started, and get your business going, you take out a lot of the capital requirements, a lot of the expertise build-up requirements, and it just shortens the timeline. It makes a lot more things possible for them."

TBPN

179,576 views • 5 months ago

Inside Stripe's MPP IRL: machine payments, stablecoins, and the future of agent commerce. Agents are starting to pay for things on their own: API calls, services, each other. Nobody's agreed on how that should work. This panel was three takes on it. Jen (Stripe) leads product for Machine Payments — the open standard for how agents pay for things. Dan Romero (Tempo) is building stablecoin payment rails, and thinks that's what agent commerce runs on, not cards. Michael Blau (Royal) magician turned a16z Crypto partner turned CTO is exploring programmable money for creators, and why the demand side is barely here yet. We got into: • Why HTTP 402, a status code from the early web, is suddenly the backbone of agent payments • Why Dan thinks a credit card is a private key and why stablecoins are safer for agents • Where stablecoins actually win first • Whether you should build for agent payments now or wait • Why the demand side is "virtually nonexistent" and what that means if you're building 𝐓𝐈𝐌𝐄𝐒𝐓𝐀𝐌𝐏𝐒 (00:00) Event Kickoff JEN LEE — Product Lead, Stripe (00:44) What the Machine Payments Protocol Is (01:28) How MPP Works — the HTTP 402 Payment Challenge (03:25) Adoption So Far: ~30,000 Transactions (04:04) Building Trust — Shared Tokens & the Link Agent Wallet (05:56) What the Creator Economy Looks Like When the Audience Is Agents (07:15) What She Was Certain About at 22 That's Now Wrong DAN ROMERO — GTM, Tempo (08:34) Meet Dan (08:49) Why Stablecoins, and the Genius Act Tailwind (09:48) "A Credit Card Is Basically a Private Key" (11:19) Should Every Company Be Thinking About MPP? (13:03) What to Be Wary Of (15:15) Where Stablecoins Win — Payouts, Remittances, DoorDash MICHAEL BLAU — CTO, Royal (16:36) Meet Michael (17:13) From Magician to a16z Crypto to CTO (17:57) Team Over Idea — His a16z Takeaway (18:26) "The Demand Side Is Virtually Nonexistent" (19:03) Closing
19:03

Inside Stripe's MPP IRL: machine payments, stablecoins, and the future of agent commerce. Agents are starting to pay for things on their own: API calls, services, each other. Nobody's agreed on how that should work. This panel was three takes on it. Jen (Stripe) leads product for Machine Payments — the open standard for how agents pay for things. Dan Romero (Tempo) is building stablecoin payment rails, and thinks that's what agent commerce runs on, not cards. Michael Blau (Royal) magician turned a16z Crypto partner turned CTO is exploring programmable money for creators, and why the demand side is barely here yet. We got into: • Why HTTP 402, a status code from the early web, is suddenly the backbone of agent payments • Why Dan thinks a credit card is a private key and why stablecoins are safer for agents • Where stablecoins actually win first • Whether you should build for agent payments now or wait • Why the demand side is "virtually nonexistent" and what that means if you're building 𝐓𝐈𝐌𝐄𝐒𝐓𝐀𝐌𝐏𝐒 (00:00) Event Kickoff JEN LEE — Product Lead, Stripe (00:44) What the Machine Payments Protocol Is (01:28) How MPP Works — the HTTP 402 Payment Challenge (03:25) Adoption So Far: ~30,000 Transactions (04:04) Building Trust — Shared Tokens & the Link Agent Wallet (05:56) What the Creator Economy Looks Like When the Audience Is Agents (07:15) What She Was Certain About at 22 That's Now Wrong DAN ROMERO — GTM, Tempo (08:34) Meet Dan (08:49) Why Stablecoins, and the Genius Act Tailwind (09:48) "A Credit Card Is Basically a Private Key" (11:19) Should Every Company Be Thinking About MPP? (13:03) What to Be Wary Of (15:15) Where Stablecoins Win — Payouts, Remittances, DoorDash MICHAEL BLAU — CTO, Royal (16:36) Meet Michael (17:13) From Magician to a16z Crypto to CTO (17:57) Team Over Idea — His a16z Takeaway (18:26) "The Demand Side Is Virtually Nonexistent" (19:03) Closing

Julia Fedorin

24,128 views • 1 month ago

Who is right in the situation? A Domino’s driver shows up with your pizza. You tell him all you have is 100 he explains to you that he only carries $15 and change. The customer says he called the store and requested that change for 100 to be brought with. The driver insisted he doesn’t have a change and says the homeowner needs to call the store and pay with a credit card.
0:33

Who is right in the situation? A Domino’s driver shows up with your pizza. You tell him all you have is 100 he explains to you that he only carries $15 and change. The customer says he called the store and requested that change for 100 to be brought with. The driver insisted he doesn’t have a change and says the homeowner needs to call the store and pay with a credit card.

AmyLouWho

2,039,199 views • 6 months ago

Composio CTO Karan Vaidya says giving an AI agent your API key is basically making it public once prompt injection enters the picture: "Even if you use [MCP], across all your apps you have to go and authenticate one after the other. If you use Codex, if you switch to ChatGPT, Claude Code, you'll have to do it all over again." "In some cases where MCPs don't exist, you have to literally share the API keys to the agent, which is definitely not secure. It's kind of giving your API key to public." "At some point the agent will find some link which will have prompt injection, and you'll be in a bad place where your key is gone and all your data is public." "We launched Shared Connections where you can share, let's say, an analytic software across the team, or DataDog for debugging, so you don't have to share one password or API keys to every single person." Composio
2:15

Composio CTO Karan Vaidya says giving an AI agent your API key is basically making it public once prompt injection enters the picture: "Even if you use [MCP], across all your apps you have to go and authenticate one after the other. If you use Codex, if you switch to ChatGPT, Claude Code, you'll have to do it all over again." "In some cases where MCPs don't exist, you have to literally share the API keys to the agent, which is definitely not secure. It's kind of giving your API key to public." "At some point the agent will find some link which will have prompt injection, and you'll be in a bad place where your key is gone and all your data is public." "We launched Shared Connections where you can share, let's say, an analytic software across the team, or DataDog for debugging, so you don't have to share one password or API keys to every single person." Composio

MTS

16,328 views • 25 days ago

Postman is going all-in on AI! Their AI Agent Builder is live (and it's pretty powerful!) Postman's API Network has 100,000+ APIs and they just released a suite of tools for building AI Agents that can automatically discover and connect to any of these APIs. Think about it for a second: You can now build an AI agent that searches the network, discovers an API, processes its documentation, connects to it, and evaluates whether everything worked at the end of the process. This is a huge deal. Every person I know uses the Postman client to work with APIs. Now, they will have access to the AI Agent Builder, a complete suite for designing, building, testing, and deploying agents. I've built a few simple agents myself, and it's tough. The ability to discover and use an API automatically is really exciting (and a huge time saver if it works as promised!) In collaboration with the Postman team, who is sponsoring this post, I recorded a video with my thoughts about the Postman AI Agent Builder.
3:38

Postman is going all-in on AI! Their AI Agent Builder is live (and it's pretty powerful!) Postman's API Network has 100,000+ APIs and they just released a suite of tools for building AI Agents that can automatically discover and connect to any of these APIs. Think about it for a second: You can now build an AI agent that searches the network, discovers an API, processes its documentation, connects to it, and evaluates whether everything worked at the end of the process. This is a huge deal. Every person I know uses the Postman client to work with APIs. Now, they will have access to the AI Agent Builder, a complete suite for designing, building, testing, and deploying agents. I've built a few simple agents myself, and it's tough. The ability to discover and use an API automatically is really exciting (and a huge time saver if it works as promised!) In collaboration with the Postman team, who is sponsoring this post, I recorded a video with my thoughts about the Postman AI Agent Builder.

Santiago

230,647 views • 1 year ago

This is very concerning - New key making machines scan your keys digitally and create a profile - You can opt to have it save your key so you can access it again in the future - Then you pay for your key with your credit card - This means this system has a virtual copy of your key and your credit card information, meaning they can get your address If a data leak or bad actors were involved it would be incredibly easy for someone to get your address, make a key and do whatever they’re going to do Not all technology is progress, some is dangerous
1:45

This is very concerning - New key making machines scan your keys digitally and create a profile - You can opt to have it save your key so you can access it again in the future - Then you pay for your key with your credit card - This means this system has a virtual copy of your key and your credit card information, meaning they can get your address If a data leak or bad actors were involved it would be incredibly easy for someone to get your address, make a key and do whatever they’re going to do Not all technology is progress, some is dangerous

Wall Street Apes

170,215 views • 4 months ago

Sequoia partner Pat Grady says software is shifting from apps that demand attention to agents that work quietly in the background. This shift will change what moats will look like, and will be especially hard for incumbents to deal with. "It's two very different business paradigms," he says. "In an era of apps, you want a lot of surface area with your customers, you want them to spend a lot of time in your product." "In an era of agents, things can just be running passively in the background. The amount of surface area you have with your customers, the amount of time they might spend in your product might be de minimis. So the nature of the moat that you [will need to build] is different." "I think we'll see a lot of companies in the coming years able to live in the software world and have some of the workflows people are accustomed to. And then separately they can deploy these passive agents that kind of function as coworkers who just come back to you when things are done."
2:02

Sequoia partner Pat Grady says software is shifting from apps that demand attention to agents that work quietly in the background. This shift will change what moats will look like, and will be especially hard for incumbents to deal with. "It's two very different business paradigms," he says. "In an era of apps, you want a lot of surface area with your customers, you want them to spend a lot of time in your product." "In an era of agents, things can just be running passively in the background. The amount of surface area you have with your customers, the amount of time they might spend in your product might be de minimis. So the nature of the moat that you [will need to build] is different." "I think we'll see a lot of companies in the coming years able to live in the software world and have some of the workflows people are accustomed to. And then separately they can deploy these passive agents that kind of function as coworkers who just come back to you when things are done."

TBPN

58,374 views • 8 months ago