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a16z just released a powerful judgment, stating:
AI Agents are not here to swipe cards.
They are here to rewrite the payment system.
Most people are still using the "human click—checkout—payment" mindset to understand the future.
Wrong.
In the Agent era, the transaction entity is not a person.
It is a digital executor that can operate 24/7, is replicable, and scalable.
And their payment method—
will not be like a tourist.
It will be like a local.
1. Tourist Payment vs Local Payment
How do tourists pay?
Temporary price comparison
On-site negotiation
Card swiping at checkout
One-time transactions
How do locals do it?
Long-term cooperation
Pre-negotiated prices
Credit...
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