The vibes in the agentic commerce market are that things are both so early (no volumes) and so late (if you want to make a company here is already super crowded). I think this is because the payment primitives are easy to replicate, like crypto neobanking generally. The real game changer here is being able to identify customers with a problem where the agentic payments are the solution. And no one has been able to do it so far. I think there will be a lot of problems that can be solved by agentic payment neobanks, the fact is that they are arisen only for a ultra niche market so far. All of this means less attention from incumbents and fintech players, given the small volumes transacted and the shift in value networks that frictionless agentic payments create.