CEO at Pagrin 2x founder with 2 exits | Ex-BitMEX Leadership | Growth | Web3
Singapore
Joined July 2020
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Agentic commerce may take off in the back office before the shopping cart.
Visa, BILL and Billtrust are piloting agents that pay pre-approved supplier invoices.
Clear authority, repetitive work, measurable ROI. Less hype, more utility.
Evervault's Browser Tokens let AI agents pay with existing cards on existing checkout pages, without seeing card details.
Agentic commerce may scale through compatibility, not new rails. The winners will preserve trust, user control and rewards.
evervault.com/blog/introduci…
Mercury launched payroll inside its banking platform, with AI assisting on admin work.
The fintech signal: competition is shifting from who holds the account to who owns the workflow. Bundling may deepen loyalty, but only if execution is excellent.
mercury.com/blog/introducing…
Google Cloud's UK outage disrupted Revolut payments and withdrawals. Regulators are asking questions.
Fintech's next differentiator may be boring: reliability. Rewards help earn loyalty, but customers must be able to access their money.
reuters.com/business/finance…
AI agents could make deposit loyalty less passive.
US banks are restricting third-party access over legitimate security concerns. But when authorized agents can move idle cash to better offers, banks will need to compete on value, not inertia.
axios.com/2026/10/22/ai-agen…
Walmart is building a gateway for AI shopping agents. Amazon has been more restrictive.
A strategic fork: protect the storefront or make it easy for agents to transact?
My bet: distribution wins, provided retailers protect customer data and trust.
OCC’s final stablecoin rule drops a presumption against certain third-party rewards. Issuer-paid yield remains banned.
That’s no blanket green light. The opportunity is to build incentives around real utility, not to disguise interest as loyalty.
Javelin argues agentic commerce is still infrastructure buildout, not mass adoption. Fair.
The next milestone isn't another agent protocol. It's proof that agents improve conversion, transaction frequency or economics in a live workflow.
Demos aren't traction.
