Kevin Mitton

Cross-border payments | Harbor API | Agentic Payments | Newsletter: Agentic Fintech. OwlPay, NASDAQ: OWLS

[Kevin Mitton @KevinOnFintech]

Revolut put its name on the Audi F1 car. The quieter move is its rails under the agent: AP2, a live Visa passkey purchase in France, AIR learning to shop.
The real test: does the purchase finish inside the limits you set, with nobody tapping Pay?

[Kevin Mitton @KevinOnFintech]

@saylor @DylanLeClair すごい👍

[Kevin Mitton @KevinOnFintech]

Money 20/20. Who checks the agent at the door?

[Kevin Mitton @KevinOnFintech]

@Mastercard @BVNKFinance The multi-money account + stablecoin-funded local payouts via Move is the real unlock. Cuts a lot of the pre-funding and multi-vendor pain.
What’s the actual FX and settlement time today on the last mile when funding from stables?

[Kevin Mitton @KevinOnFintech]

@vibhu Welcome to 鬼楼。

[Kevin Mitton @KevinOnFintech]

Full piece (and free Agentic Fintech): https://t.co/TTjspnubhR

[Kevin Mitton @KevinOnFintech]

Revolut put its name on the Audi F1 car. The quieter move is its rails under the agent: AP2, a live Visa passkey purchase in France, AIR learning to shop.
The real test: does the purchase finish inside the limits you set, with nobody tapping Pay?

[Kevin Mitton @KevinOnFintech]

Giving an AI agent a shop key is like a spare key to your home. The real question isn’t the key. It’s which rooms it opens.
Meta & Sierra Personal Agent Protocol: OAuth in, read-only or write. Write is the key to the safe.
Hand an agent the write key before a spend limit?

[Kevin Mitton @KevinOnFintech]

@elonmusk @MelvinInvests “Their ability” Seems Mr. Musk is mighty impressed with Communism.

[Kevin Mitton @KevinOnFintech]

x402 batch on Solana = hotel deposit for AI agents. Fund USDC once. Off-chain vouchers. Merchant batches claims via PayAI.
- USDC only, 1k channels.
- Merchant key can charge full balance. - - - Claim fails? Vouchers not kept.
Who signs the bill?
https://t.co/deLGLDWvnf

[Kevin Mitton @KevinOnFintech]

Full roundup (Solana x402, Meta checkout, Crossmint toolkit + the key question):

https://t.co/D7SBBth1Wg

[Kevin Mitton @KevinOnFintech]

Weekly round up. Agentic payments.
TOKEN 2049, Singapore, had the crowd. Solana, Meta and Crossmint shipped the actual product. Live vs press release, and whose key spends the money.
Subscribe on LinkedIn
https://t.co/x6fKK3mDUD

[Kevin Mitton @KevinOnFintech]

@mbeaudroit Stablecoins carrying 32% of cross-border value in Latam says the demand was never about the tech, so does USDC ever win retail there or does it stay the fintech back end while USDT keeps the wallets?

[Kevin Mitton @KevinOnFintech]

@Inc42 @Razorpay @ChatGPT Razorpay running ChatGPT ads for brands like Tanishq puts a payments company in charge of discovery as well as checkout, so where does it actually make the money on this, the ad spend or the payment?

[Kevin Mitton @KevinOnFintech]

Foreign central banks stepping back from T-bills while stablecoins sit on nearly $200B makes issuers a real buyer of short US debt, not a crypto sideshow.
That turns reserve rules in Brussels and Washington into a Treasury market issue as much as a crypto one.

[OpenAssets @OpenAssetsInc]

Foreign central banks sold $55.6B of T-bills in a year, after buying $138.1B the year before.

Stablecoins hold nearly $200B, a new channel for U.S. debt. OpenAssets builds the infrastructure to scale it: every holder verified, every reserve reported. https://t.co/OViY4i1zxh

[Kevin Mitton @KevinOnFintech]

Cloudflare's Monetization Gateway lets sellers charge agents per request over HTTP 402, settled in USDC on Base.

That gets the machine paid. It doesn't prove anyone authorised that spend.

Check the buyer's limit. Or just take the 402?
https://t.co/OBOi49mN8m

[Kevin Mitton @KevinOnFintech]

@austfintech HSBC putting its banking tools inside the platforms clients already use feels like the end of the bank portal, so do treasurers actually want their bank living inside their ERP?

[Kevin Mitton @KevinOnFintech]

@cutemoon66 @Brickken 74% operational against 6% decision-making looks like a liability gap more than a skills gap, so what would a regulator need to see before an agent touches client money?

[Kevin Mitton @KevinOnFintech]

@Investinc_Intel Wallets, merchant processing, FX and point of sale is a whole payments stack, not just a stablecoin, so is SoFi going after Circle or after Visa?

[Kevin Mitton @KevinOnFintech]

@HederaCommunity @hedera Preset rules work fine at home, but once agents pay across borders to counterparties nobody knows, who vouches for the agent on the other side?

[Kevin Mitton @KevinOnFintech]

@Techmeme @laith_alkhalaf If private equity will pay what Nubank wouldn't, is a Monzo listing still the plan?