Bankless Crypto’s Agentic Future: AI, ZK & Money Networks | Lincoln, Shea, Michael, & Luca
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Dec 6, 2025 
Lincoln Murr, product lead on AI at Coinbase, discusses the x402 standard for internet-native crypto payments. Shay Ketsdever explores how bots function in both finance and other sectors, advocating for programmable privacy to make their impact more positive. Michael Dong reveals how zero-knowledge proofs can significantly enhance Ethereum's computational capabilities. Luca Prosperi challenges conventional stablecoin designs, proposing a more resilient, distributed monetary architecture to mitigate risks of concentration and failure.
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AgentKit Revealed Agents Without Payments
- Lincoln built AgentKit and observed ~10,000 agents but they lacked things to pay for outside crypto bubbles.
- That spurred building X402 to connect agents to real economic activity beyond token experiments.
Why Crypto Is Better For Agent Payments
- Agents cannot scale using bank accounts or per-service credit cards due to KYC and fee friction.
- X402 plus stablecoins give agents portable, programmable value usable across services and platforms.
Lower Friction For Buyers And Sellers
- Make X402 easy to use for buyers by embedding on-ramps and wallets so agents can pay invisibly.
- Make it attractive for sellers by listing services in an X402 Bazaar to reach agents at scale.