i strongly don’t subscribe to the idea that personal ai agents will monetize through ads. the entire value of a personal agent comes from the user trusting that it is acting in their best interest. that trust starts to break the second recommendations are influenced by whichever advertiser pays the most for placement. a much more likely model is that agents monetize through the transactions they drive. i predict that eventually a massive commerce network gets built that aggregates merchants and funnels agentic spend through one layer. that network negotiates discounted pricing and merchant-funded rewards, then distributes those economics back to the agents driving the transaction. consumers get better deals and agents get paid without needing to charge users a monthly subscription. we already see versions of this model today: card networks like Visa created an economic layer where banks earn revenue every time a consumer makes a purchase and a transaction flows through their network (known as interchange). a similar layer will eventually be built specifically for agentic commerce. if personal agents end up influencing trillions of dollars in consumer spend, the company that becomes the default transaction network will become insanely valuable. every agent plugs into it, merchants compete for access to demand, and the network that sit in the middle takes a cut of the economics.