The $20K Card He Wouldn't Give an Agent: Allowance and Scoped Spend for AI Commerce Shoal Signal Ep. 15 with @dasmersingh, Founder & CEO at @useallowance (YC '26), hosted by @zaddycoin We cover the $20K card he wouldn't give an agent, which purchases go agentic first, why he builds on card rails not x402, and how a neutral wallet survives Visa and Stripe. 0:00 The $20K card an agent can't have 1:18 Intro and the agentic commerce case 2:21 His years at Cash App and Block 3:19 How parents actually feel safe 5:30 The OpenClaw moment and starting Allowance 9:13 Why agentic commerce wins 12:19 Developers buy first, consumers later 14:07 Clothes last, scarce tickets first 16:45 What Allowance actually is 19:53 Card rails vs new agent protocols 27:50 Handling websites that change 29:11 Staying defensible against Visa and Stripe 33:11 Will agents take jobs? 37:47 The missing piece: trust and coordination

Coinbase's x402: AI Agent Financial Independence, Agent Payments and Autonomy Shoal Signal with @MurrLincoln, AI Product Manager at @coinbase, hosted by @zaddycoin We cover x402 and machine payments, Coinbase for Agents, the facilitator layer, why 402 was the internet's missing error code, financial independence before agent autonomy, and where value accrues as agents become the internet's main users. 0:00 Intro and guest background 3:46 What x402 is and error code 402 5:36 The Coinbase stack, buyer and seller 6:43 Coinbase for agents and discovery 8:25 Where the real use cases are 13:47 Prediction markets and specialized agents 16:05 Agent to agent or machine to machine 20:15 Reuse existing rails or rebuild 23:43 Financial independence and the demand gap 27:16 Enterprise adoption of agentic commerce 30:44 Competing with cards and stablecoins 33:08 Other chains and where value accrues 36:12 x402 as a moonshot bet 38:30 Closing alpha and the autograph game

Where Does Value Accrue in the Agent Economy? Visa's Head of Crypto on stablecoins, x402/MPP, and card networks Shoal Signal with @cuysheffield, Head of Crypto at @Visa, hosted by @zaddycoin We cover where value accrues in the agent economy, stablecoins vs. cards and the value propositions, the trust problem with open x402 endpoints, autonomous agents, headless merchants, why agents buying tokens will dwarf everything else, and why he thinks agents should stay accountable to a human. 0:00 Intro 1:49 Where does the value accrue 2:31 Payment networks vs payment infrastructure 5:24 Trust and governance is the missing piece 6:37 Anyone can spin up an x402 endpoint 7:53 Why a crypto vet won't give agents a wallet 10:17 Headless merchants are the big opportunity 11:35 Sell workflows, not tools 13:43 The demand side is the harder problem 19:25 Where the first billion gets spent 23:15 Token share on inference 25:02 Problems with agent spend 26:49 Agents buying tokens dwarfs everything 33:04 Should agents be self-sovereign? 35:06 Every individual becomes their own corporation 36:24 Visa Intelligent Commerce and TAP 39:22 Visa CLI for developers 41:30 The browser-to-checkout gap 44:31 New merchants built for agents 46:28 Where the alpha is

Agents Will Run Their Own Businesses: Inside Laso, agent payment cards, and Agent Commerce Shoal Signal with @huntermmonk, Founder at @lasofinance, hosted by @zaddycoin We cover how Laso gives agents their own one-time-use cards to spend anywhere with no KYC, why self-sovereign spending is the through-line, where x402, @PayWithLocus and Policy stack fit, why the real prize is agents starting their own businesses rather than shopping for you, and the AGI risk that could make frictionless agent payments unnecessary. 0:00 Intro and what Laso builds 2:35 Why one-time-use cards work 3:58 Self-sovereign spending and privacy 5:43 What agents actually buy 7:35 Agents running their own businesses 8:26 How an agent gets a card 11:49 x402, Locus, and Policy 15:43 Reading radio ads on TV 17:47 Markets two through twenty 24:09 Rethinking agent to agent commerce 29:50 What people get wrong 36:52 The AGI risk to Laso 43:48 Defensibility and the risks 45:40 The agent bank account coming 47:27 Betting on agent entrepreneurship 49:02 Closing alpha

Agents Already Spent $76 Million: Circle's AI Agent stack, x402, stablecoins and the Agentic Economy Shoal Signal with @corey__cooper, Senior Manager, DevRel at @circle, hosted by @zaddycoin We cover how Circle is building the agent money stack with $USDC, @ARC, x402, why EIP-3009 makes payments gasless, who is actually transacting today, whether SaaS is dead, and why agents buying their own services points to a trillion dollar TAM. 0:00 What Circle is building for agents 3:01 Why x402 matters for builders 6:54 USDC, gasless transfers, and facilitators 10:57 The Circle agent stack and nano payments 14:17 Who is using x402 and for what 16:46 Pay-per-use flattens the internet 19:50 A new persona, and $76 million transacted 23:03 What is missing for agent to agent 28:05 Every app has APIs, the TAM is trillions 29:26 Is SaaS dead 31:57 Discovery as the real value layer 36:28 How Circle curated its marketplace 41:23 Why it has to run on stablecoins 46:00 Cash App to agent in one second 49:38 Where the alpha is, trading on Robinhood 52:08 Try it yourself

Agents Are the New Websites: MoonPay's AI Lead, Tony Plasencia on the CLI Bet and Agent Commerce Shoal Signal with @tonyplasencia3, AI and agents lead at @moonpay, hosted by @zaddycoin We cover why everything is just a tool call, the pivot from chat to CLI, the big-three orchestrators and a finance-first Perplexity, why agents are the new websites, a curated skills marketplace, and how x402 expands TAM below the subscription floor. 0:00 Intro and Tony's path through Solana 2:40 Everything is just tool calls, and the CLI pivot 5:09 From orchestrator to spoke in the stack 8:09 The big three and verticalized orchestrators 11:10 Real use cases, prediction markets to commerce 12:46 Headless merchants and agent-ready catalogs 17:06 Agent SEO and "agents are the new websites" 20:24 A curated skills marketplace, not malware 21:33 Routing as a Michelin chef and sous chefs 25:51 What comes next, back to verticalized chat 29:22 What enterprises actually ask for 31:51 Charging on results, proving your value 36:00 Stablecoins, Iron, and the licensing moat

Every second, tens of millions of HTTP requests are sent over the internet on average. What do the underlying rails look like money starts to move money at the same scale? In our latest piece, we dive into HTTP 402, its emerging landscape and how it fits into agentic commerce

AI is changing the credit market. Secured, asset-backed loans against compute is the future. @0xZergs explains why GPU-backed credit is becoming a new debt category. Watch the full interview with @Shoalresearch.

GPU-Backed Debt and the case for the End of SaaS Credit Shoal Signal Ep. 7 with @0xZergs, co-founder/CEO of @USDai_Official, hosted by @zaddycoin AI compute is being built faster than the financial system can finance it. Chips refresh every 24 months, and the debt that funds houses and planes needs decades of data and years to structure. David walks through why he thinks most of DeFi is money lending against money, and not real credit. 0:00 From art financing to GPU credit 2:18 DeFi is money market, not capital 3:13 Why CoreWeave bonds are not ABS 5:25 Convertible debt and the miner playbook 6:31 What securitization actually needs 9:03 Hyperscalers versus the Neo cloud tail 9:37 The depth perpetual idea 12:30 Underwriting eight chips, not companies 17:14 Why most RWAs are "toxic waste" 21:11 SaaS credit is dead 23:03 GPU loans as a super sector 26:37 Inside the Nvidia financing gap 30:20 Why only Nvidia chips 33:12 Compute as the next stablecoin 35:31 PYUSD, USDAI, and lowering the rate 38:34 Insurance with Barker and Munich Re 40:13 Internet capital markets versus margin 42:25 Where on-chain credit actually wins Youtube: