An ING cardholder asked an AI agent to find a wedding anniversary gift. The agent negotiated with a merchant's agent, which surfaced concert tickets inside the budget, and the payment settled over Mastercard's network with Worldline processing — in production, not a demo. Every layer of the stack was live and interoperable at once, on existing payment rails.

We cover why "production" is the word that matters, the four mechanisms Agent Pay uses to answer who is actually paying, and the four things still unsolved: no universal identity layer, unresolved liability, cautious consumers, and delivery logistics nobody can automate.

Read the full report: https://api.automate.it.com/feed/working-devs-hero/agentic-commerce/741ed4e8-e1a7-4014-b2cf-2105bfc1aa52

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