Many experts share the perspective of Bilotta’s AI agents, including Charles Hoskinson, founder and CEO of Cardano’s Input Output, who said that by 2035 they will be more relevant than humans.
The macro numbers support his position. Data from the US International Trade Administration via Trade.gov shows that business-to-business (B2B) e-commerce across the Asia-Pacific region is expanding at an annual rate of 15%, with market values projected to surpass $28.9 trillion by the end of this year.
However, despite that explosive growth, the underlying pipes remain broken. The problem is fundamentally a question of legacy infrastructure and compliance, Bilotta said.
Global financial regulations, banking protocols, and identity verification controls were built strictly for humans. An autonomous AI software agent cannot pass a standard compliance check, he said, or execute a payment cycle unless a human manually intervenes to settle the transaction.
To close this structural gap, the industry requires a compatible backend middleware that acts as a universal interpreter. Bilotta explained that by placing a standard Anthropic Model Context Protocol (MCP) server directly into the payments infrastructure, software agents can programmatically navigate compliance, obtain real-time currency quotes, and natively settle transactions across borders without human steps.
While institutional gatekeepers like Stripe and Mastercard have spent billions acquiring fiat-to-crypto APIs to protect traditional corporate treasuries, the automated machine-to-machine economy in emerging brokerages remains largely underserved.
