The 120-Day Problem
Section 1.3 talks about "Chargeback windows extending 120 days." This is why AI can't use credit cards.
Quiet hook: You can't automate a business if the money can disappear 4 months later.
Actionable insights: "Instant finality." When a Kite agent pays, it’s done. Mathematical certainty. This allows agents to deliver digital goods instantly without fraud risk.
Mini-story time:
I sold a dataset to a buyer last month. They disputed the charge via PayPal 3 weeks later. I lost the money and the data. On Kite, that settlement is irreversible.
Conceptual model:
Credit cards are "I promise to pay." Stablecoins on Kite are "Here is the payment."
Strategist reflections:
For B2B automated commerce, "Settlement Finality" is the only feature that matters.
