AI agents can't open bank accounts or swipe cards for micro-payments. So they're settling onchain with stablecoins instead.

Coinbase's x402 protocol already processed 249M machine payments. That's ~20M transactions/month. Machine Payments Protocol went from zero in March to 1M txs/month by September.

McKinsey thinks AI agents will drive $3T–$5T in global commerce by 2030.

Traditional banking shuts down at 5 PM Friday. Agents run 24/7. That gap isn't closing — it's widening.