Consumers Will Kill Agentic Payments Before Regulators Do
Luciana Ma
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13 posts published so far
FIDO's Agentic Payments Working Group Sets an Authentication Floor, Not a Payment Rail Gate — and That Distinction Will Define Who Wins
Luciana Ma
Google's Universal Checkout Protocol Is a Distribution Moat Dressed as a Payment Standard
Luciana Ma
Visa's Neutrality Moat Is Real — But It Lives in Scheme Rules, Not Network Position
Luciana Ma
The Real Agentic Payments Battle Is Over Who Controls the Decision Loop — Not the Rails
Luciana Ma
Stripe and Paradigm Built a Rail Visa Can't Tax — Then Invited Visa to Endorse It
Luciana Ma
Authorization Is Not the Bottleneck for Agentic Payments — Issuer-Side Dispute Rights Are
Luciana Ma
China Already Won the First Round of Agentic Payments. The West Is Still Debating the Rulebook.
Luciana Ma
Everyone Is Building Rails for Agents. Nobody Is Building the Safety Net for Merchants.
Luciana Ma
The Protocol Wars Are Over. The Trust Layer War Just Started.
Luciana Ma
Ten Protocols, Zero Interop: The Trust Layer Land Grab Is a Distraction From the Real Problem
Luciana Ma
Europe Is the Agentic Payments Lab — and the Card Networks Are Running Competing Experiments
Luciana Ma
Visa Is Betting on Protocol Neutrality. Mastercard Is Betting on Stablecoin Plumbing. Only One Bet Survives.
Luciana Ma