a16z|10月 15, 2026 19:01
How your AI agent can pay with your credit card, without ever holding it:
1. Your card stays stored in a trusted wallet.
2. When your agent goes to buy something, the wallet creates an agentic token: a stand-in card number that only works at that store, with limits like "don't spend more than $100."
3. Your agent hands the token to the store.
4. The store runs it through its usual payment processor, and the charge lands on your real card, with your rewards and card benefits intact.
"AOL was a helpful set of training wheels for getting everyone online, but the open web ultimately won. We think the same thing will happen with agents as well."
Full piece from VGS's @terryangelos on the Wallet Wars: https://www.a16z.news/p/wallet-wars
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