AI agents can already write code, build websites, and manage workflows ... but they still can’t pay for anything on their own. That bottleneck is about to disappear.
In this episode of TechFirst with John Koetsier, we sit down with Jim Nguyen, former PayPal exec and cofounder/CEO of InFlow, a new AI-native payments platform launching from stealth. InFlow wants to give AI agents the ability to onboard, pay, and get paid inside the flow of work, without redirects, forms, or a human typing in credit card numbers.
We talk about:
• Why payments — not intelligence — are the missing link for AI agents
• How agents become a new kind of customer
• What guardrails and policies keep agents from spending all your money
• Why enterprises will need HR for agents, budgets for agents, and compliance systems for agents
• The future of agent marketplaces, headless ecommerce, and machine-speed commerce
• How InFlow plans to become the PayPal of agentic systems
If AI agents eventually hire, fire, transact, and manage entire workflows, someone has to give them wallets. This episode explores who does it, how it works, and what it means for the economy.
👀 Full episode transcript + articles at: https://johnkoetsier.com
🔎 Deeper insight in my Substack at techfirst.substack.com
🎧 Subscribe to the podcast on any audio platforms
00:00 — AI agents can’t pay yet
01:00 — Why agents need financial capabilities
02:45 — Developers as the first use case
04:15 — Agents that build AND provision software
06:00 — Agents as real customers with budgets
07:30 — Payments infrastructure is the missing layer
09:00 — Machine-speed commerce and GPU allocation
10:15 — From RubyCoins to PayPal to agentic payments
12:00 — Policy guardrails: the child debit card analogy
14:00 — Accountability: every agent must be “sponsored”
15:00 — HR, finance, and compliance systems for agents
16:45 — Agent marketplaces and future gig platforms
18:15 — Headless commerce: ghost kitchens for AI agents
20:00 — Agents are the new apps
21:15 — Amazon pushback and optimizing for revenue
22:45 — Why agent-optimized platforms will emerge
23:30 — Voice commerce, invisible ordering, and wallets
24:15 — Final thoughts: building the rails for agent commerce
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