WHY AGENT PAYMENTS ARE STUCK

Summary from the TLDR Crypto newsletter

Intent has no standard shape, nothing checks an agent before it pays, consumers don't trust agents (60% quit after one mistake), merchant fraud tools are built for humans, issuers approve blind, there are no cross-network liability rules, raw card vaults are a PCI gray area, agent tokens barely work (Chase won't provision), virtual card fronting is expensive and networks dislike it, and agents still can't monetize.