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Why the payment itself is the easy part of agentic payments in crypto?
Payment rails are turning into a commodity.
What agents still lack is trust: a verifiable identity, someone accountable when something goes wrong, and a reason for a counterparty on the other side to transact with them.
We think this is where value will accrue.
The problem grows with every agent.
A single agent touches many networks, wallets and card rails at once, and nobody will manage that by hand.
The fragmentation people already feel as users gets multiplied by every agent they run, so the complexity has to move into the infrastructure layer.
The networks have noticed that.
Payment networks are starting to treat agents as customers, which moves agentic spending from an experiment into a category they plan for.
We also expect agents to make buyers more rational.
An agent comparing options inside a budget has no use for checkout tricks, so better products win, people stop paying for attention-driven distribution, and financial apps compete on quality and clarity.
All of this depends on delegation being safe, and users will hand agents money only with control over three things:
> Limits on what an agent can spend
> Rules for where and how it spends
> Visibility over everything it does
Delegation only scales if it is safe. Whoever makes spending limits, rules and full visibility the default will matter more than whoever makes payments fastest.
So the open question is who gives the user that control.
Our point of view on where crypto cards are heading, in 5 theses.
1/
As crypto card volume grows, it is becoming a distinct layer of the ecosystem for leading blockchains, with new solutions likely to emerge around it.
2/
Volume is spread across many blockchains, and the more users come to crypto finance apps, the bigger the problem of capital fragmentation becomes.
People want one balance without switching between networks, so native and simple multichain support becomes a moat.
3/
Crypto card spending is becoming a distinct sector for payment networks. They have started building direct connections between crypto balances and their merchant networks.
That moves crypto card spending from a niche product into a category payment networks plan for.
4/
Card payments are becoming a native feature of crypto finance, next to transfers and yield.
The open question is who brings these flows together in one seamless experience for the user, with the infrastructure handled underneath.
5/
In countries where the local currency is exposed to inflation, crypto cards are becoming an everyday way to hold a stable-value balance and still pay in the local currency, with the conversion handled at checkout.
> The next crypto-native financial app will look and feel like an app you already use and know, but with all the benefits and convenience of blockchain.
Premium interface for everyday finance, built for people who use their money.
The new Billion is coming.
Visa Direct now offers near-instant payouts in $USDC across 180+ countries.
@Visa choosing $USDC moves it another step toward becoming the default stablecoin for global payouts.
Which payout would you move to it first?
JUST IN: Visa officially launches stablecoin payments through Visa Direct, enabling near-instant global payouts using $USDC across 180+ countries.
3 different L2s shut down over the last couple of weeks.
Well-known names and strong teams stood behind these products, but that is how cycles work: some products end, others begin a new chapter.
A new version of Billion is coming.
It’s @token2049 week!
The Billion team is already in Singapore.
A lot of narratives have changed over the past year. Let’s see where the market’s leaders and participants are looking this year.
Oil, gold and $HYPE now share one Bloomberg screen.
@TheTerminal added @HyperliquidX perpetuals across 5 asset classes, from Nvidia to the S&P 500, quoted 24/7.
The feed is price-only, and the on-chain venue behind $HYPE sits in the same list as the benchmarks it tracks.
Privacy moves from speculation into infrastructure.
The sector is going through a major transformation and gaining increased attention, especially following recent developments:
> Vitalik Buterin frames Ethereum as a “cryptographic world computer”.
> Aztec relaunches zkmoney v2.0
> Regulators are opening the door to zero-knowledge infrastructure.
Some tokens representing the narrative:
$ZEC, $AZTEC, $ZAMA
All tradable in Billion.
Solana continues to dominate DEX volumes.
More than $2.5B in memecoins was traded on the network in just 24 hours.
solana:pumpCmXqMfrsAkQ5r49WcJnRayYRqmXz6ae8H7H9Dfn is standing out as a key part of the memecoin ecosystem, evolving from “fast speculative launches” into a “creator revenue-share platform”, as stated by the team.
Move your capital across networks in seconds with Billion and never miss the next trend.
