AI agents are spending $20M daily right now.
But that's just 1% of potential transactions.
The rest are blocked by payment systems that require human verification.
Visa needs 3 seconds per transaction.
AI agents need 3 milliseconds.
Here's how stablecoins will capture this $3T market:
Think about where commerce is headed.
Phase 1: Human clients
We built Visa and PayPal for people at checkout.
Phase 2: Digital clients
APIs turned companies into customers through Stripe.
Phase 3 is here, and it changes everything:
Machine clients.
Trading bots executing millions of transactions.
Smart contracts buying cloud resources.
IoT devices negotiating services autonomously.
No human involvement.
No manual approvals.
But our payment rails weren't built for this:
ACH takes 1-3 business days to settle.
SWIFT needs 1-5 days for cross-border payments.
Credit cards charge 1.5-3.5% per transaction.
Weekend downtime. Batch processing. Manual reviews.
For machines operating 24/7? Completely broken.
What AI agents actually need:
• Instant settlement
• Always-on availability
• Programmable logic
• Global reach
• Near-zero fees
Legacy banks can't deliver this.
One technology can:
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