CEO & Board Director @ixopay. prev CEO & Board @Cin7online, CSO/Product Head @Acumatica, product exec @Microsoft, Alum @ohiostate
Dallas, TX
Joined June 2008
- Tweets5.1K
- Following2.3K
- Followers917
- Likes1.5K
ajoyk retweeted
Legit the opposite of agentic progress…
Making agents learn every merchant separately.
If agents need a separate integration for every merchant, you’re only deepening systemic fragmentation and becoming slower as a product.
It's pretty magical when your agent...just works
@instinct just partnered with @OpenTable, so it can now book and manage your restaurant reservations
No blocks, not TOS issues, and @link deals with the card holds, deposits, and other payment flows
Watch me make dinner plans 👇
Agentic commerce is moving fast, with new protocols and solutions appearing constantly. Our industry solved for card-not-present. Now it has to solve for human-not-present, which is as much an identity and authority challenge as a payments one.
The biggest mistake in agentic commerce is assuming the scarce resource is money processing.
Moving money from a bank account to a merchant is one of the most solved problems in software. A card, wallet, bank account --> they're all just different ways of getting money from one place to another.
So an “agentic card” doesn't fundamentally change that. It just gives the same payment system a new interface, and furthermore doesn’t make an agent autonomous.
It's also why I don’t believe agentic cards or wallets are the fundamental primitive of the agentic economy.
In 1,217 attempts across @Visa and @Mastercard cards, we’ve seen a 99.2% success rate completing purchases without persistent sessions, using a simple user request and our intent layer to guide model decisions across systems.
Because of that, it's why I believe authorization is going to matter more than the payment rail.
Who is allowed to do what, on whose behalf, across which systems?
It's the area between AND above intent and execution
This is also why I don't think browser use is the long-term answer. And why I’m skeptical of the industry's obsession with computer use too.
The next generation of software (more specifically consumer software) won't care whether a request came from an iPhone, a car, a voice command, or another agent.
It will care whether that request is authorized, and what that agent was authorized to do.
Agentic commerce should be built towards giving software the ability to act, not inventing another way to pay.
Thus, the future of agentic commerce will not be decided solely by Visa or Mastercard.
ajoyk retweeted
We've been hard at work in all areas of agentic infrastructure. Building this benchmark was so fun!
Can't wait to share more as we continue to make progress with Visa Intelligent Commerce!
1/ Excited to introduce the Visa Agentic Commerce Benchmark, our first public benchmark designed by Visa Research to evaluate frontier model performance on shopping tasks.
visapaymentsfrontier.io/#age…
Great read. Changing landscape with a lot happening.
thank you to everyone in the past week who took the time to share their views and observations on the space. understanding the broader ecosystem is critical to scaling agentic commerce.
can't wait for us all to build a future we can be proud of!
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Excited to join @ixopay as CEO.
We are at an inflection point in technology like none other in my career. I've spent the last few years working with merchants globally on their core operational software at @Cin7online and I've seen firsthand how important their financial infrastructure is. Payments are the gateway to commerce, and commerce is being reshaped in real time: AI agents entering transactions, customer expectations shifting, and fraud evolving. Merchants need partners who can move fast, build faster, and provide the security, reliability, and quality that they need.
That is exactly what IXOPAY gives them: an AI-native, modular platform with vendor-neutral infrastructure built/building for the agentic era of payments. And the numbers prove it: $171 billion in payment volume orchestrated in 2025, 2.1 billion+ tokens secured, and 500+ payment adapters. We supported 1.6 million merchants with our compliance platform and our new AI solutions ingested 850 million events last year to deliver truly intelligent payments. We have exceptional customers and partners like LVMH, AerLingus, Delivery Hero, DHL, Volkswagen,Global Payments, Ebanx and many more.
lnkd.in/p/gXsypzU3
ajoyk retweeted
Two Silicon Valley maxims I don't get (they are seemingly at odds with each other):
1. Tokens are going to be the biggest driver of cost for enterprises (Stripe potentially buying OpenRouter, Ramp launching their own, tweets about CFOs as Chief Token Officers)
2. The cost of inference is going to zero because of hardware advances and capacity build out
What gives?
What America means to me: a land where you don't need an audition to pursue a dream. You shoot the shot. On your own terms. Your drive is the only permission you need. The pursuit of happiness isn't just a founding promise. We get to live it every day. Beyond grateful! Happy 250th! 🇺🇸
ajoyk retweeted
Every major new advance in technology rewrites commerce.
Today, much of that commerce stack is built around one key assumption: that a human with a cursor and a credit card is shopping.
That buyer is being replaced by an agent that doesn't browse, doesn't have emotions, doesn't care about your homepage, and will compare your catalog against a dozen others before your site finishes loading.
Jasleen Kaur (@jasleen2020) and I laid out our vision for this new world in Commerce Without Clicks: where the pipes break, where they get rebuilt, and who we think captures the value.
ajoyk retweeted
This is wonderful.
More exhausted and more satisfied is basically perfect.
Dads, lean in!
New newsletter: MODERN FATHERHOOD WOULD BE UNRECOGNIZABLE TO A 1950'S DAD
Compared to their Boomer parents, childcare time among Millennial dads has more than doubled.
Compared to their Silent Generation grandparents, it’s nearly quadrupled.
You will be hard-pressed to find any part of day-to-day modern life that has changed more in the last half-century than the way today’s parents—and fathers, in particular—spend their time.
The new American dad is more present and more exhausted—but also, more satisfied with life. What's behind this half-century transformation? Today's piece combines history, economic analysis, and gorgeous charts galore from @AzizSunderji
Loved riding @infinitemachine Olto last summer in NYC. Congrats to @josephcohen and team. Excited to see what they are building and a proud investor!
We designed Olto to be the ultimate bike lane vehicle. Two passengers. 40 miles of range. Cargo capacity. Theft proof. No license, no registration, no insurance. $3,495, about a quarter of what the average used car costs. Bike-lane legal in 50 states.
Olto is now shipping nationwide. To celebrate, we’re launching our Spring Campaign featuring ~100 New Yorkers from all walks of life. It goes live today around NYC and on the internet.
We’re very excited for Olto to be in the world and for all kinds of people to make it a part of their lives. Oh the places you will go.
This new "Listen" feature is 🔥. So useful to listen to articles on X while walking, driving or working.
Over the last 3 months, Articles on X have grown 18x. It is one of the fasting growing new products on the platform.
Today we're making them even better: we're launching a Listen feature—powered by Grok Voice. You'll be able to listen while scrolling Timeline or on-the-go from your lock screen.
It's now available on iOS for top Articles in English and launching on more platforms soon. Here's how it works:
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ajoyk retweeted
Businesses that automate inventory management see up to 30% fewer stockouts and smoother operations across channels. Cin7 Core integrated with @Shopify can save time, reduce errors, and boost revenue. Explore here: hubs.li/Q03KWPvY0
Can't wait. See you all next week! #cin7summit
Join us at #Cin7Summit for a special keynote from our CEO, @ajoyk. Hear his vision for the future of Cin7, insights on the evolving supply chain landscape, and how we’re helping product businesses scale with confidence.
hubs.li/Q03DB4M-0
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ajoyk retweeted
The future of inventory isn’t guesswork - it’s intelligence. @ajoyk, CEO, shares insights from 530 pros worldwide on what’s holding SMBs back and how winning teams are moving forward. Get the report: hubs.li/Q03y65ng0