Payments Innovation Conference: Panel 3, October 21, 2025

The podcast panel, featuring experts from Modern Treasury, ARK Invest, Coinbase, Stripe, and Google Cloud, discusses the intersection of AI and payments, focusing on agentic commerce, fraud prevention, and internal process optimization. They explore how AI is transforming commerce, the importance of open standards and protocols like the Agentic Commerce Protocol (ACP) and AP2, and the role of stablecoins in facilitating microtransactions and programmable payments. The panel also touches on regulatory clarity, blockchain scaling, and the productivity gains driven by AI, emphasizing the need for businesses to adapt to new monetization models and prioritize customer needs while ensuring consumer privacy and security in AI-driven payment systems.

Outlines

Part 1: Introduction and Panelist Perspectives

Part 2: Agentic Commerce: Definition, Needs, and Risks

Part 3: The Future of Payments: Stablecoins and Blockchain

Part 4: Economic Impact and Investment in AI

Part 5: Strategic Thinking and Collaboration

Part 6: AI Monetization and Financial Infrastructure

Part 7: Agentic Commerce Use Cases and Adoption

Part 8: Privacy and Security in Agentic Payments

Sign in to continue reading, translating and more.

Continue

Federal Reserve

Part 1: Introduction and Panelist Perspectives

00:00Introduction to AI and Payments Panel

Introduction to AI and Payments Panel

02:44Panelist Introductions: ARK Invest and Coinbase

Panelist Introductions: ARK Invest and Coinbase

04:13Panelist Introductions: Stripe and Google Cloud

Panelist Introductions: Stripe and Google Cloud

Part 2: Agentic Commerce: Definition, Needs, and Risks

05:51Defining Agentic Commerce and its Core Needs

Defining Agentic Commerce and its Core Needs

07:43Fraud and Risk Factors in Agentic Commerce

Fraud and Risk Factors in Agentic Commerce

09:50Shared Payment Tokens and Open Ecosystems

Shared Payment Tokens and Open Ecosystems

Part 3: The Future of Payments: Stablecoins and Blockchain

11:38The Future of Payments and Agentic Commerce

The Future of Payments and Agentic Commerce

13:04Stablecoins and Regulatory Clarity

Stablecoins and Regulatory Clarity

14:41Blockchain Scaling and Decentralization

Blockchain Scaling and Decentralization

16:00Stablecoins and Machine-to-Machine Transactions

Stablecoins and Machine-to-Machine Transactions

17:26Building Open Standards and Interoperability

Building Open Standards and Interoperability

18:26Agentic Payments and API Calls

Agentic Payments and API Calls

20:06Optimizing Browsing Experiences with Agents

Optimizing Browsing Experiences with Agents

21:20Payment Rails and Agentic Commerce

Payment Rails and Agentic Commerce

Part 4: Economic Impact and Investment in AI

22:51The Economic Impact of Agentic Commerce

The Economic Impact of Agentic Commerce

24:35Productivity Gains and Growth Expectations

Productivity Gains and Growth Expectations

26:03Investment in AI Compared to Historical Waves

Investment in AI Compared to Historical Waves

27:20The Impact of AI and Investment Justification

The Impact of AI and Investment Justification

Part 5: Strategic Thinking and Collaboration

28:53Strategic Thinking for Leaders in the AI Era

Strategic Thinking for Leaders in the AI Era

30:18The Importance of Partnership and Collaboration

The Importance of Partnership and Collaboration

31:46Customer Focus and Regulatory Clarity

Customer Focus and Regulatory Clarity

32:40Risk Mitigation and Open Standards

Risk Mitigation and Open Standards

34:15The Future of Innovation and AI Companies

The Future of Innovation and AI Companies

Part 6: AI Monetization and Financial Infrastructure

35:27The Rapid Pace of Monetization in AI

The Rapid Pace of Monetization in AI

37:38New Monetization Models in AI

New Monetization Models in AI

39:16Stablecoins and Fraud in AI

Stablecoins and Fraud in AI

40:46AI DevTools and the Future of Business Building

AI DevTools and the Future of Business Building

42:45The Demands on Financial Infrastructure

The Demands on Financial Infrastructure

44:05Fraud Prevention in Stablecoins

Fraud Prevention in Stablecoins

45:34Efficiency and Productivity Gains with AI and Blockchain

Efficiency and Productivity Gains with AI and Blockchain

47:06The Impact of AI on Engineering Teams and Q&A Introduction

The Impact of AI on Engineering Teams and Q&A Introduction

Part 7: Agentic Commerce Use Cases and Adoption

48:14Real-World Examples of Agentic Commerce

Real-World Examples of Agentic Commerce

49:59Building Trust and Consumer Behavior in Agentic Commerce

Building Trust and Consumer Behavior in Agentic Commerce

52:32AI Financial Advisors and Consumer-Driven Adoption

AI Financial Advisors and Consumer-Driven Adoption

53:40Consumer vs. Enterprise Adoption and Labor Economics

Consumer vs. Enterprise Adoption and Labor Economics

54:57The Impact of AI on Hiring and Labor Shortages