Banks found AI agents inside customer accounts. The interesting part isn't the agents. It's how they got in. > Per Axios, Morgan Stanley, BofA, JPMorgan and Wells Fargo spotted third-party agents in customer accounts, in some cases using logins the customers handed over themselves. > Some banks are blocking them. Others are restricting what they can do. > Jamie Dimon reportedly called it a "liability transfer" to the customer. That last line is the one I keep coming back to. An agent that needs your bank password is borrowing your identity. Crypto has been building a rail where it doesn't have to. x402, the @coinbase standard, lets an agent pay for an API call with stablecoins. No login involved. Ran the numbers on Agent Economy's tracker (public Dune data): • 194.8M payments settled • $42.2M in total volume • ~$0.22 per payment on average • 96.7K payments yesterday • 45% of all payments have settled on @base So the rail exists. The money on it doesn't, yet. ★ My read: if banks shut the password-sharing door, agent payments get pushed toward permissioned rails, meaning bank APIs or stablecoins. At ~$0.22 per payment, x402 is still a micropayment rail, not a money rail. Which one gets the agent volume first?