Wu Says he learned that Visa and Artemis jointly released a report stating that AI Agent has begun autonomously booking travel, purchasing computing power, and calling data services, and machine payments are moving from concept into real commercial scenarios. Since going live in May 2025, x402 has completed about 109.6 million transactions, with adjusted transaction value of about $15 million. The average payment per transaction is less than 1 cent, and fixed fees for traditional bank cards lack economic viability for such micropayments. In the future, bank cards may continue to handle conventional e-commerce payments, while stablecoins are more suitable for high-frequency machine payments; the biggest current obstacle is not settlement technology, but the fact that AI Agent’s authorization, responsibility allocation, and dispute resolution mechanisms are not yet clearly defined.