AI Agent Payments: Infrastructure, Protocols & Market Gaps

A practitioner's analysis — March 2026

Umang Gupta
13 years in payments and fintech · 2x founder · GrowthX Fellow

13 sections covering protocol landscape, wallet infrastructure, agent identity, cross-border use cases, India regulatory scenarios, developer sentiment, risk factors, and strategic gap matrix. Based on analysis of 50+ companies and 4 protocols.