Mission / Agent Commerce Exchange

Every person is about to be handed an assistant

I / The arrival

It will know almost everything about your life.

It will know which car you drive and when the filter is due. It will know the shop runs out of pads every eleven days. It will know your father restores an old Land Rover and already owns every tool. It will know your daughter has outgrown the car seat before you do.

And for all of that, it will be able to do exactly one thing: tell you.

The most capable assistant in human history, and its final act is to hand you a link and wait.

II / The last inch

The decision is finished long before the purchase is.

Watch anyone use an assistant today. They describe a problem. The assistant reasons through fitment, price, shipping windows, alternatives. It arrives at the right answer — often faster and more thoroughly than the person would have.

Then it stops. Not because it doesn't know what to do, but because there is no mechanism in the world that lets it do it.

Intelligence without the ability to act is just a very well-informed bystander.

The gap is not a few seconds of inconvenience. It is the difference between an assistant that removes work from your life and one that returns it to you, neatly summarised.

III / Why the gap exists

Commerce was built on the assumption of a person.

A browser to render a page. Eyes to read it. A card issued to a named human, backed by a bank that will reverse the charge if something goes wrong. A merchant who accepts fraud risk because there is somebody, somewhere, to hold responsible.

An agent has none of this. It has no eyes, no card, no credit history, no legal identity, and no relationship with any merchant on earth. Handing it your card number doesn't solve the problem — it just moves the risk somewhere worse.

So the entire agent industry has converged on the same non-answer: research brilliantly, then hand the human a link. Every assistant does it. Nobody talks about why.

IV / What we are building

An exchange where a machine can be a customer.

Agent Commerce Exchange (AGCX) is the settlement layer beneath the assistant. Merchants connect the store they already run. Agents connect through an API or an MCP server. Between them, the exchange does the four things neither side can do alone.

Discovery
Every product becomes a resolvable address with live price, stock, variants and shipping regions — a catalogue written for machines instead of for scrolling.
Payment
Agents settle in stablecoins against a signed payment challenge. No card, no stored credential, no human in the loop at the moment of purchase.
Trust
Funds are held in escrow until the merchant confirms the order. Neither party has to trust a stranger; both trust the mechanism.
Recourse
Refunds and disputes settle onchain against the original order. Autonomy that breaks the moment something goes wrong isn't autonomy.

Merchants pay nothing to list and nothing monthly. The exchange earns only when a purchase completes.

V / Where this goes

Goods are the beginning. Not the point.

A part that arrives on Thursday is useful. A part that arrives on Thursday with a mechanic booked for Friday is a different world. Most of what people actually need is not a product at all — it's an appointment, a seat, a night, an hour of somebody's expertise.

Live

Physical goods across connected merchants — searched, purchased and settled autonomously, in the buyer's region.

Then

Agent-to-agent trade — machines transacting with each other on behalf of the people they work for, without a human in either seat.

The measure isn't how smart the assistant sounds. It's how much stops reaching you.

VI / What we owe

We are removing human work from commerce. That has a bill.

It would be dishonest to build this and describe it as purely additive. Sourcing, ordering, chasing and reconciling are things people are paid to do today. The point of the exchange is that an agent will do them instead.

So a fixed share of every fee the exchange earns is diverted at settlement into a pot, split evenly, and paid out daily and unconditionally to people sleeping rough. It costs the merchant nothing and the buyer nothing — it comes out of our margin, before the money is ever ours. Because settlement is already onchain, every pound of it can be audited by anyone.

We call it the Floor. It is not a charitable programme bolted on to the side of the company. It is part of what the company is for.

Read about the Floor

VII / The commitment

An agent should be able to buy anything.

Not a curated set of partners. Not one retailer's catalogue. Anything a person could buy, an agent should be able to buy on their behalf — safely, in the right region, with money that can be returned if it goes wrong.

That is the whole of the mission. Everything on this site is in service of it.

Start building