Before an AI Can Spend Your Money, Someone Has to Solve KYC for Robots
In the last article, I argued the idea of giving each person an AI agent that represents them online — one that can, in a meaningful sense, legally act on their behalf. I spent a lot of words on identity and trust, and then I did the thing every optimistic tech essay does: I gestured at the hard part and moved on.
The hard part is money.
Everything a Personal AI Representative would be genuinely useful for eventually touches a payment. Chasing the refund, cancelling the subscription, comparing the insurance quotes and buyingone, paying the invoice, moving funds between your accounts. The moment your agent stops reading the world and starts changing it — with your money — it walks up to a system I've spent twenty years inside. And that system does not care how clever your agent is. Before a single cent moves, it asks...
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