Marc Zuckerberg explained how Muse AI works. It can book reservations, make payments, and keeps your passwords and card details secure. If the agent messes up a payment, it's insured so you'll get paid back. It works via a chat interface in its own Muse app (and on WhatsApp). --- Let's say you want to book a movie or pay for something: 1. @Stripe Link mints a single-use virtual card scoped to the purchase you approved. Muse never sees your real card. 2. If Muse makes a mistake, a refund guarantee covers it. XCover (Cover Genius) underwrites it, Link pays the premium. 3. Eligible purchases get price protection and damage or loss cover up to $500 per claim, plus no-fee returns up to $250. Only 9% of consumers say they'd let an agent complete a purchase for them (Accenture, June 2026). I mean, if an agent buys the wrong flight, that sucks! The question holding agentic commerce back is who eats that loss. An insured agent can be wrong and people will still let it spend. Insurance is the killer app for agentic commerce. Card networks answered it in the 90s. People typed card numbers into websites because zero liability and chargebacks made a bad merchant the bank's problem. The difference there was the user was involved. The card networks will absolutely want to own this kind of protection. The industry needs to get ready for that. On the business model, Zuckerberg told Alex Heath: Muse gives 100 million free tokens a week to win market share, $20 or $100 a month for power users, and eventually "a very small cut of whatever the transaction is." So subscription plus payments. There's a SURPRISING privacy-forward approach here: He and Nat Friedman recruited Moxie Marlinspike, Signal's founder, to build a Confidential VM where "even Meta cannot see the content." That ships later this year. And we already saw a privacy backlash with Instinct, which was storing your passwords and card credentials in its own vault. In the last two weeks it added Stripe Link and 1Password. Muse launched with both. (You have to credit the partnerships folks at Stripe and 1Password here, locking in the personal agents super early.) Where's Google in all of this personal agents discourse? Google has the email, the calendar, the cards and the search history. Apple has a strong bit of user trust. Neither has shipped a personal agent. This will become your control center and your interface. The everything app. Is your consumer service ready for Muse as a customer? Is your Neobank? Your bank? Is Meta a fintech now? Is all AI fintech?