Embedded finance puts banking, payments, credit and insurance inside the platforms people already use, turning everyday moments into revenue, loyalty and new routes to financial access.

Tokenization doesn't fail on vision. It fails on plumbing. Behind every live corridor sits an unglamorous stack that decides whether it scales. Which settlement layer — L1, L2 or private and at what trade-off? How do you achieve legal finality across jurisdictions that don't agree? Which interoperability standards actually matter, and who is driving them? This session decodes the replicable components behind the case studies — the decisions that separate a production system from an expensive proof-of-concept.

For decades, payment systems have been designed around human behaviour. AI agents play by different rules. Unlike humans, agents do not care about rewards, interfaces or brand loyalty. They optimise for speed, cost, and reliability.

As agents begin making payments on behalf of users and businesses, they may transact at a scale and frequency never seen before, paying for everything from AI services and digital content to machine-to-machine interactions. The result could be millions of low-value transactions that challenge the economics and design of today's payment infrastructure.

Are our payment rails ready for this future? As PayNow Gen2 considers capabilities relevant to agentic commerce, this session explores whether existing payment rails can adapt, what role programmable money could play, and how payment infrastructure must evolve when machines start choosing how to pay.