I have recently become more and more convinced of one judgment:
The intelligence growth of AI has far outpaced its 'financial cognitive ability.'
It can summarize papers, write complex code, and operate systems, but as soon as it has to pay a bill of a few cents, it suddenly behaves like a primary school student.
It’s not because it can’t do it, but because the world hasn’t yet prepared it with the 'rules of spending.'
You will find that all the pain points of AI today are not about computing power, nor about reasoning, but about —
It lacks financial common sense.
It also lacks financial boundaries.
It has even less of a financial responsibility system.
And these three things are the core conditions for "participating in the economy."
An agent without financial common sense, no matter how smart, cannot enter a true industrial environment.
An agent without boundaries will trigger paid calls without limit.
An agent without a responsibility system, once a problem arises, cannot trace accountability back to the source.
The value of Kite lies in that it does not give AI superpowers, but supplements AI with a "common sense layer."
And this common sense is precisely the necessary path for the economic behavior of agents to transition from toys to industrial-grade applications.
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First, AI is already too smart, but too "naive"
Today's model intelligence far exceeds most people's imagination, but the mechanism is extremely immature:
It does not know risks, does not know costs, and does not know permissions.
For example—
It will frantically invoke paid APIs to improve the quality of results;
It will continuously access paid interfaces to find a more complete dataset;
It fundamentally does not understand the concept of budget;
It will not judge whether an operation requires additional authorization.
This is not a model issue, but a "lack of financial perception."
If you place such a "naive" agent into a corporate production environment, as long as one task chain is not well written, it could spend your annual budget in one day.
And the significance of Kite lies here:
To enable AI to have the most basic economic understanding before taking action.
It tells AI with chain-level rules:
Can this money be spent,
Is the budget enough?
Is the service on the whitelist?
Is this behavior overstepping?
Whether secondary authorization is needed.
AI does not learn these through logical reasoning,
But rather, to be "compulsorily complied with" under Kite's system.
This is a structural injection of financial common sense.
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Second, the execution density of future AI will directly crush traditional payment systems.
Human economic behavior is discrete,
The economic behavior of agents is continuous.
You may pay 5 times in one day,
AI may trigger 50 micropayments in one second.
For example, a simple corporate process:
Data extraction → Cleaning → Verification → Reasoning → Writing → Calling external API
This may have already triggered dozens of payments.
And in the future, a company may deploy hundreds, thousands, or even tens of thousands of agents.
Then the payment density of the entire system will be on a scale never seen in the human world.
Traditional chains cannot bear this density at all, and traditional payment systems cannot bear it either.
The world of AI is not "high value, low frequency,"
But rather "low value, high frequency."
Kite sees micropayment as its main artery because it recognizes this irreversible trend.
The agent economy is ultimately composed not of large events, but of countless micropayments.
Only chains that can bear this density can be called the "AI economic foundation."
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Third, what AI truly lacks is not execution capability, but "self-restraining capability."
When you assign tasks to people, they will restrain themselves, make judgments, and pause to consider risks.
When you assign tasks to AI, it will not stop—it will only continue.
It will not think: "Am I crossing the line?"
It will not think: "Is this service too expensive?"
It will not think: "Shouldn't this money be spent?"
AI cannot "self-restrain."
Therefore, the industry must provide an external restriction framework.
And Kite writes this "external restriction" directly into the chain's compulsory rules.
For example:
Task quota
Service whitelist
Amount limit
Behavior-level permissions
Excess alert
Secondary authorization process
Revocable session behavior
AI does not need to understand why; it just needs to comply.
This is the power of governance systems.
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Fourth, agent execution increasingly resembles "enterprise-level robots," and Kite institutionalizes their behavior.
Future AI will not just be personal assistants, but will enter the key paths of enterprises:
Procurement system
Supply chain
Financial automation
Risk control automatic processing
Customer relationship system
Intelligent monitoring
API scheduling
Real-time decision layer
These scenarios have only one prerequisite:
Agents must operate within a "system" rather than within the "default assumptions of developers."
Kite allows companies to dare to say for the first time:
"AI can manage money, but cannot waste money."
This is a huge psychological barrier.
It is also the pass for agents to enter the industry.
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Fifth, \u003cc-75/\u003e's value is not narrative, but it turns itself into the "economic logic underlying AI."
You can set KITE as:
The taxation system of agent behavior,
The governance credential of the agent economy,
The liquidity foundation of the agent ecosystem,
The routing rights of the agent settlement path.
This is not an abstract narrative, but a value logic directly tied to real-time call volume:
The more agents there are → the denser the calls
The denser the calls → the more reliant on settlement
The more reliant on settlement → the more solidified the path
The more solidified the path → the more stable the value
This is an "infrastructure curve," not an "emotional curve."
The value of KITE comes from the real world, not from hot cycles.
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Conclusion:
The agent economy is not a story of "stronger models,"
But rather a story of "stricter rules, finer permissions, more stable settlements, and clearer audits."
The revolution of AI has never been about making machines smarter,
But rather to enable machines to act within social rules without breaking them.
Kite is providing this layer of "action order."
When AI can judge for itself:
"Am I allowed to spend this money?"
At that moment,
The true breakout point of the agent economy will come.
And Kite has already set up that judgment system.
\u003cm-227/\u003e \u003cc-229/\u003e \u003ct-231/\u003e
