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Stablecoins outperform credit cards for microtransactions due to negligible fees and instant settlement. Instant settlement is essential for agent commerce because merchants cannot extend credit to anonymous, ephemeral agents.

Impact: Integrating stablecoin rails reduces transaction costs and eliminates credit risk, enabling scalable micro-transaction economies and improving cash flow for API providers.

— from Agentic Commerce: Headless Merchants, Stablecoins, and the Death of Ads · web3 with a16z crypto· Apr 27, 2026