x402 transactions on Base approaching 100M. Real usage. AI agents are starting to transact at scale on crypto rails. Why crypto over cards? Credit cards need a human with a bank account behind every transaction. Agents can't open bank accounts. Stablecoins don't need them to. 💭 CZ: agents will make 1M times more payments than humans. 💭 Armstrong: more agents than humans transacting soon. They'll use wallets, not banks. → Stablecoin flips Visa in transaction volume ($27.6T, 10x growth in 5 years) → ~100M x402 txs on Base. 98.6% in USDC. → Average agent tx: $0.09. Micropayments at scale. Stablecoins win because agents need flexible trust, global reach from day one, and programmable endpoints. Cards can't offer that. Blockchains are becoming the banking substrate of the agentic economy.