How Will We Pay AI Agents? Exploring AiFi with Lincoln Murr

For thirty years, the web was built for eyeballs: human fingers tapping credit card numbers into static forms, clicking ‘I am not a robot,’ and waiting for a bank to approve thirty bucks. But that web just slipped into the minority. Today, over 57% of all internet traffic isn’t human—it’s autonomous AI agents scraping, computing, and negotiating in milliseconds. The catch? Machines don’t have driver’s licenses, they don’t hold credit cards, and they certainly can’t solve a CAPTCHA. Enter AiFi—Agentic Finance—and a revived 1990s web standard called 402, turning HTTP’s long-dormant ‘Payment Required’ error code into a lightning-fast, autonomous payment rail. Joining us today is Mr. Murr, a driving force behind the x402 protocol at Coinbase, to explain what happens when software stops asking for our wallets and starts paying for itself.

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