Founder. Speaker. Very occasional Author. Building the future of Finance @sumvin. Web4 maxi.
London
Joined March 2013
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Best exit of my career. Shame nobody paid for it.
Co-founded it, majority shareholder, built it, sold it. A year later, still waiting for the money.
Some people are a good advert for why not everyone should be allowed to run a company.
An employee can leave without the company losing its identity. An agent should be replaceable too. Give it credentials you can revoke without rebuilding every relationship around it.
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If your agent's "human approval" is an email OTP, and the agent can read email, you don't have a control. You have cosplay. Spend authority has to live outside the model.
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Teaching software to spend is easy. Teaching it to leave a receipt both the customer and the merchant can trust is the actual product.
A card for the agent just hides the same problem in a black box.
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Prediction: within 12 months the agent payments race won't be won on rails. It'll be won on receipts.
The winner lets customer and merchant both see what the agent bought, why, and on whose authority.
Cards are solved. Trust isn't.
Great to chat all things agent auth and full stack solutions with our partner Nvidia and our friends at Synnex today.
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The checkout was never the point. The experience after it is.
Everyone's building agent payments. But giving an agent your card is the same trick as adding it to Apple Pay. It's still your card, just with a nicer outfit on. We solved that in 2014.
The real prize is payments that lead somewhere. Consumers and merchants who can actually see each other. Data that moves peer to peer. Every purchase making the next one more personal.
Cards for agents is a gimmick. Payments that turn into experiences is the business.
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After Nik Storonsky's takedown of VCs, a reminder for founders, and for life:
In 97% of interactions, you're choosing between someone's time and their money.
Money is easy to find. People who'll give you real time are rare. Know which one you're taking, and what it costs you.
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Not going to lie. Building is hard. 2026 has been one of the hardest years of my career. But then today we joined Open Standard and building some cool stuff with the team and slid in a partnership with Nvidia . One block at a time.
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Everyone's treating the Binance hack as a crypto story. It isn't. The bigger cost is to tokenised stocks, and it could set them back years.
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That's the real damage. It goes beyond lost funds: it shakes faith in the core idea that ownership can live on-chain safely.
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I was sceptical about Open Standard at first. Another stablecoin, another consortium.
The more I see from the team and their partners, the more it's changed my mind. Here's why.
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Which matters most for what's coming next. When AI agents start paying for things, they'll need a dollar that no single company controls.
Neutral money is the boring precondition for agent commerce. It just arrived.
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