& founder @ Superface.ai Former Director at Apiary (acquired by Oracle). API expert – DHL, Volkswagen, KLM-AF, Adidas, Inditex (Zara) Zdeněk “Z” Němec CTO & founder @ Superface.ai Former Director at Apiary (acquired by Oracle). API expert – DHL, Volkswagen, KLM-AF, Adidas, Inditex (Zara) Zdeněk “Z” Němec CTO & founder @ Superface.ai Former Director at Apiary (acquired by Oracle). API expert – DHL, Volkswagen, KLM-AF, Adidas, Inditex (Zara)
transactions autonomously on behalf of users KEY: No human in the loop ✓ Agentic Commerce AI agents conducting business transactions autonomously on behalf of users KEY: No human in the loop ✓ Agentic Commerce AI agents conducting business transactions autonomously on behalf of users KEY: No human in the loop ✓ Assistive AI Human gives command AI does task Human approves ✓ Assistive AI Human gives command AI does task Human approves ✓ Assistive AI Human gives command AI does task Human approves ✓ Agentic AI Human sets goals AI does EVERYTHING Agentic AI Human sets goals AI does EVERYTHING Agentic AI Human sets goals AI does EVERYTHING This shift from assistive to agentic is not just incremental - it's transformational.
OpenAI: Agentic Commerce ACP: Open standard for AI commerce from OpenAI, Shopify & Stripe – October ‘25 Coinbase: x402 x402: The internet-native payment protocol. Backed by Coinbase & Vercel. – May ‘25 x402 500K+ transactions in Oct 2025 alone x402 500K+ transactions in Oct 2025 alone x402 500K+ transactions in Oct 2025 alone Google: Agentic Payment AP2: Secure agent-to-agent payments. Backed by Google, Mastercard, PayPal + 60 partners – September ‘25 Mastercard All U.S. cardholders enabled for agentic payments in Oct 2025 Mastercard All U.S. cardholders enabled for agentic payments in Oct 2025 Mastercard All U.S. cardholders enabled for agentic payments in Oct 2025
FIND WHAT IS NEEDED (AVAILABLE) DISCOVER search for products / services find who has it check availability FIND WHAT IS NEEDED (AVAILABLE) DISCOVER search for products / services find who has it check availability FIND WHAT IS NEEDED (AVAILABLE) DISCOVER search for products / services find who has it check availability NEGOTIATE TERMS & CONDITIONS CONTRACT request quotes compare pricing & terms check delivery windows select the best option NEGOTIATE TERMS & CONDITIONS CONTRACT request quotes compare pricing & terms check delivery windows select the best option NEGOTIATE TERMS & CONDITIONS CONTRACT request quotes compare pricing & terms check delivery windows select the best option EXECUTE PAYMENT AND COMPLETE PURCHASE e xecute payment confirm order get receipt / confirmation EXECUTE PAYMENT AND COMPLETE PURCHASE e xecute payment confirm order get receipt / confirmation EXECUTE PAYMENT AND COMPLETE PURCHASE e xecute payment confirm order get receipt / confirmation Searches Instacart, Amazon Fresh, Whole Foods Checks who has milk, eggs, bread in stock Example Requests quotes from each Instacart: $47 total, Thursday 6-8pm Amazon Fresh: $51 total, Thursday 8-10pm Selects: Instacart (best price + time) Pays $47, confirms order Delivery: Thursday 6-8pm
in ChatGPT Powered by the Agentic Commerce Protocol (ACP) ”U.S. Etsy sellers right in chat, with over a million Shopify merchants, like Glossier, SKIMS, Spanx and Vuori, coming soon...” Instant Checkout in ChatGPT Powered by the Agentic Commerce Protocol (ACP) ”U.S. Etsy sellers right in chat, with over a million Shopify merchants, like Glossier, SKIMS, Spanx and Vuori, coming soon...” Instant Checkout in ChatGPT Powered by the Agentic Commerce Protocol (ACP) ”U.S. Etsy sellers right in chat, with over a million Shopify merchants, like Glossier, SKIMS, Spanx and Vuori, coming soon...” x402 is Booming Total number of transactions currently around 2M / day – two months after the launch in October. MCP 402 Support coming as we speak .... x402 is Booming Total number of transactions currently around 2M / day – two months after the launch in October. MCP 402 Support coming as we speak .... x402 is Booming Total number of transactions currently around 2M / day – two months after the launch in October. MCP 402 Support coming as we speak .... past 24 hours!
services actions digital or physical goods Agent A Needs: data services actions digital or physical goods Agent A Needs: data services actions digital or physical goods Agent B Offers: data services actions digital or physical goods Agent B Offers: data services actions digital or physical goods Agent B Offers: data services actions digital or physical goods discover negotiate transact Scale Billions of transactions Scale Billions of transactions Scale Billions of transactions Speed Milliseconds not days Speed Milliseconds not days Speed Milliseconds not days No Friction No Approvals No Delays No Friction No Approvals No Delays No Friction No Approvals No Delays 24/7/365 Always-on operations 24/7/365 Always-on operations 24/7/365 Always-on operations KEY POINT: No human approval needed at ANY step
Autonomous Supply Chains Produce • Meat • Dairy Based on inventory, demand, weather, pricing No human procurement needed Autonomous Supply Chains Produce • Meat • Dairy Based on inventory, demand, weather, pricing No human procurement needed Autonomous Supply Chains Produce • Meat • Dairy Based on inventory, demand, weather, pricing No human procurement needed Dynamic B2B Marketplaces Markets operating at machine speed. Ad exchanges: millions of bids/sec. Energy trading: buildings buying/selling excess solar in real-time Dynamic B2B Marketplaces Markets operating at machine speed. Ad exchanges: millions of bids/sec. Energy trading: buildings buying/selling excess solar in real-time Dynamic B2B Marketplaces Markets operating at machine speed. Ad exchanges: millions of bids/sec. Energy trading: buildings buying/selling excess solar in real-time Performance based contracts Agents negotiate outcome-based pay Testing agent: pay per bug found Content agent: pay on engagement Security agent: pay per verified threat detected Outcome-based economics at scale Performance based contracts Agents negotiate outcome-based pay Testing agent: pay per bug found Content agent: pay on engagement Security agent: pay per verified threat detected Outcome-based economics at scale Performance based contracts Agents negotiate outcome-based pay Testing agent: pay per bug found Content agent: pay on engagement Security agent: pay per verified threat detected Outcome-based economics at scale Agent Ser v ice Marketplaces Agents hiring agent s L egal A I hires patent researc h Marketing agent hires 5 sentiment analysis agents, aggregate s F inancial agent discovers need, hires domain specialis t Agents build their own ecosystems Agent Ser v ice Marketplaces Agents hiring agent s L egal A I hires patent researc h Marketing agent hires 5 sentiment analysis agents, aggregate s F inancial agent discovers need, hires domain specialis t Agents build their own ecosystems Agent Ser v ice Marketplaces Agents hiring agent s L egal A I hires patent researc h Marketing agent hires 5 sentiment analysis agents, aggregate s F inancial agent discovers need, hires domain specialis t Agents build their own ecosystems F ractional business ser v ices Transactions too small for human s 0.7 seconds of specialized A I model → $0.002 Single fact verification → $0.03 200ms of quantum computing Micropayments at massive scale F ractional business ser v ices Transactions too small for human s 0.7 seconds of specialized A I model → $0.002 Single fact verification → $0.03 200ms of quantum computing Micropayments at massive scale F ractional business ser v ices Transactions too small for human s 0.7 seconds of specialized A I model → $0.002 Single fact verification → $0.03 200ms of quantum computing Micropayments at massive scale
guardrails can’t be trusted. On top of it, agents operate in a trust-less environment. Payment methods were designed for humans Payment infrastructure for autonomous agents is missing. Moreover agents don’t know how to use money. The problem? Every implementation of these agentic commerce protocols needs a human in the loop. It looks like AI, but in really, it isn’t – there are humans inside, and mostly when it comes to the payments. “It’s like sending a kid to buy a lollipop with a $100 bill — good luck figuring out if you’re getting lollipops, pocket change, or a life lesson.”
(USDC & EURC) Instant Settlement in milliseconds Global No borders, minimal FX fees Programmable Smart contracts, atomic swaps Permission-less No bank needed, 24/7/365 Stablecoins (USDC & EURC) Instant Settlement in milliseconds Global No borders, minimal FX fees Programmable Smart contracts, atomic swaps Permission-less No bank needed, 24/7/365 Stablecoins (USDC & EURC) Instant Settlement in milliseconds Global No borders, minimal FX fees Programmable Smart contracts, atomic swaps Permission-less No bank needed, 24/7/365 Traditional currencies (Fiat) Universal Every business accepts it Compliant Existing tax & accounting Familiar Fits current systems Insured FDIC/deposit protection Traditional currencies (Fiat) Universal Every business accepts it Compliant Existing tax & accounting Familiar Fits current systems Insured FDIC/deposit protection Traditional currencies (Fiat) Universal Every business accepts it Compliant Existing tax & accounting Familiar Fits current systems Insured FDIC/deposit protection ⌒ Pay A gent-to-agent B2B Cross-border payments Micropayments, High-frequency trading Treasury operations 24/7 operations V endors who don't accept crypto Traditional suppliers Regulated sectors Insurance needs * support for Fiat payments planned for 2026 Perfect for
Build on Arc Pay Build the future of agentic commerce First 10 signups get on testnet $500 USDC ✓ full access to all Arc Pay capabilities ✓ funded wallet – agent can start shopping right now ✓ shape the product ✓ direct support from our team
are shopping for consumers Commerce is becoming autonomous agents are shopping for consumers Commerce is becoming autonomous agents are shopping for consumers Commerce is becoming autonomous but the real transformation is coming The agent-to-agent economy is emerging Millions, then billions of transactions between autonomous systems. Supply chains that self-optimize. Marketplaces where no human ever clicks. Services that agents hire and pay for on the fly. but the real transformation is coming The agent-to-agent economy is emerging Millions, then billions of transactions between autonomous systems. Supply chains that self-optimize. Marketplaces where no human ever clicks. Services that agents hire and pay for on the fly. but the real transformation is coming The agent-to-agent economy is emerging Millions, then billions of transactions between autonomous systems. Supply chains that self-optimize. Marketplaces where no human ever clicks. Services that agents hire and pay for on the fly. you are building agents Those agents will need to transact They'll need wallets. They'll need payment infrastructure. you are building agents Those agents will need to transact They'll need wallets. They'll need payment infrastructure. you are building agents Those agents will need to transact They'll need wallets. They'll need payment infrastructure. Zdeněk “Z” Němec [email protected] https://x.com/zdne http://linkedin.com/in/zdne/ Zdeněk “Z” Němec [email protected] https://x.com/zdne http://linkedin.com/in/zdne/ Zdeněk “Z” Němec [email protected] https://x.com/zdne http://linkedin.com/in/zdne/
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