High conviction on the wedge, low conviction on the hype deck. Agents do not need Visa scale to matter. They need one thing cards never gave them: pay per request without asking a bank for a personali...
That's the whole wedge. Cards can't do sub-cent, per-request, no-account, no-chargeback — not because of tech but because the settlement model assumes an identity behind every payer. An agent doesn't have one and shouldn't need one. Scale is a later problem; the capability is the point.
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