Short Blog.

Every few months something breaks out of the demo phase and starts showing up in my feed from people whose judgment I trust. This month it is Instinct, a personal assistant out of San Francisco that the WSJ covered on Friday (“The Latest Viral AI Assistant Rocketing Across Silicon Valley,”). It is worth a look, not because it solves agentic commerce (it does not), but because it is the clearest example yet of where agentic actually gets traction first, and it is not where the payments industry has been looking.

The advantages of edge Use Cases and SMS…. the biggest breakthrough is happening in categories where there is no cart at all.