



Visa published agentic commerce rules this spring: who's responsible when an agent spends your money, what consent means, how disputes work. Sounds like a payments story. It isn't. The capability question for agents is largely answered. The harder question is upstream: when an agent acts on your behalf, who authorized it, what are the boundaries, and what happens when someone objects? Payments forced those answers because money always has. Most enterprise work never did. If you're deploying agents into anything less concrete than a financial transaction, that's the gap waiting for you.


