Retailgentic Jordi Montes: Founder+CEO Simple Checkout, From Crypto to Agentic Payments
Sep 30, 2025
Jordi Montes, Founder and CEO of SimpleCheckout.ai, shares his transformative journey from the Bitcoin Lightning Network to creating a unified payment framework for AI-driven commerce. He reveals how the capabilities of AI inspired agentic payments, emphasizing the need for payment systems that evolve beyond traditional browsers. Dive into his vision for L402, a protocol for AI agents, and why personalization will reshape online retail. With a focus on making payments agnostic, Jordi discusses the future of agent-to-agent transactions and the role of developers in this revolution.
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From Lightning To Agentic Payments
- Jordi Montes describes his path from software engineering to working on Bitcoin's Lightning Network and discovering ChatGPT's potential.
- He realized agents would need to transact and set out to build payment infrastructure for machines.
Payments Are The Last Mile
- Machines need discovery, integration, and payment flows end‑to‑end, not isolated features.
- Jordi found payments come last, so he built earlier steps (discover, integrate, authorize) first.
Adopt An HTTP Checkout Standard
- Use HTTP as a transport to build an agent-native checkout (L402) that signals payment requirements outside the browser.
- Treat payment as outbound and payment‑method agnostic so any client can complete checkout.