Which are best for agents and the digital economy?
In today's emerging digital economy, a new question arises:
Which payment system is the most efficient for digital agents and new applications?
Two main solutions currently dominate:
Pairs for carpooling
Pairs in satellites
However, these two systems do not serve exactly the same purpose.
Understanding this difference allows for a clearer perspective.
The difference between the two and the BS3
1๏ธโฃ Card payments: the champions of the traditional economy
Bank cards like Visa and Mastercard have dominated the world of payments for decades.
Why?
Because all the infrastructure already exists:
* ๐๐ฬ๐๐๐๐
* ๐๐๐๐๐๐๐๐๐๐ ๐๐ฬ๐๐๐๐๐๐๐
* ๐๐๐๐๐๐๐๐๐๐๐ ๐บ๐๐๐บ
* ๐๐๐๐๐๐๐๐ ๐๐ ligine
* โโsupremachrets
* statistic-service
In other words, the cards work perfectly for payments that a human would normally make.
Concrete example
An AI agent booking a flight on a travel website.
The site accepts:
* Visa
* Mastard
* Parfois Amican Experis
In this case:
โก Bank cards remain the simplest solution
โก The systems are already connected
โก Merchants are already equipped
Cards are therefore perfect for interacting with today's economy.
2๏ธโฃ Stablecoins: Champions of the New Digital Economy
Stablecoins like USDT or USDC operate on a different principle.
They are not simply a means of payment.
Above all, they enable transactions impossible with bank cards.
Examples of things impossible with a card
* ๐๐๐๐๐ $0.001
* ๐๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐ 3 ๐๐๐๐๐๐ ๐๐
* ๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐๐ AP1
* ๐๐๐๐๐ ๐๐๐๐ ๐ ๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐๐๐
* ๐๐๐๐๐ ๐๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐ ๐ฐ๐จ
Cards aren't designed for that.
Stablecoins, on the other hand, operate directly on blockchains like Ethereum or Solana.
This allows:
* of professional posts
* of accessible posts
* of ๐๐๐๐๐-๐๐๐๐๐๐๐๐๐๐๐๐
* ๐ ๐๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐-๐ฬ-๐๐๐๐๐๐๐
We are gradually entering the economics of agents.
These are standalone software programs capable of:
* Retrieving secretions
* Acquiring denones
* Failing to clear code
* ๐๐๐๐๐๐๐๐๐ ๐๐๐๐ ๐ โ๐๐๐๐๐๐ ๐๐๐๐๐๐
In this economy:
* some transactions resemble those of humans
* others are entirely new
And that's where the difference becomes clear.
When to use a card?
For:
* ๐๐ฬ๐๐๐๐๐๐ ๐๐ ๐๐ฬ๐๐๐
* ๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐ ๐ โ๐๐๐๐๐
* ๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐๐๐๐ ๐บ๐๐๐บ
* ๐๐๐๐๐๐๐ ๐ ๐๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐
โก The cards win.
When to use stablecoins?
For:
* ๐๐๐๐๐-๐๐๐๐๐๐๐๐๐
* ๐๐๐๐๐๐๐๐ ๐ โ๐จ๐ท๐ฐ
* ๐๐๐๐๐๐๐๐ ๐ ๐ ๐๐๐๐๐๐ ๐๐๐๐๐
* ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐ฬ๐
* ๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐๐๐๐๐
โก Stablecoins are winning.
Many believe that stablecoins will replace cards.
But the reality is different.
The two systems are complementary.
Cards dominate the current human economy.
Stablecoins dominate the new programmable digital economy.
Technology should be used to create an economy:
* ๐๐๐๐ ๐๐๐๐๐ ๐
* ๐๐๐๐ ๐๐๐๐๐๐๐
* ๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐ ๐ฬ ๐๐๐๐
Stablecoins can allow someone in Burkina Faso to send value instantly to someone in Brazil, without an intermediary bank.
And in the future, intelligent agents will be able to:
* travel
* pay
* pay
* call
* call
automatically.
We are gradually moving:
from a human-centric economyโฆ
to a human-centric + machine-centric economy.
And in this new world, understanding payment mechanisms becomes an essential skill.
Reflection inspired by a post by Jack Simison on X.