CEO @Bitrefill ⚡️[email protected]
Joined February 2009
- Tweets14.8K
- Following3.8K
- Followers11.6K
- Likes16.2K
Sergej Kotliar retweeted
Most "agentic payments" discussions miss the forest for the trees and assume that payments are a product ™️ themselves, other than a secondary consequence
All you need to believe:
1) AI-enabled systems do work that creates value
2) This impact will only increase over time
3) Payments are a way to express value exchange
4) The future will look different than the present. Payment instruments / flows will evolve -- but the core principle of "value exchange" will never change
I think the winners of "agentic payments" (if such a thing is even possible) will be those focused on providing value to others, not those who are thinking about "how can I make this about payments (me)"
Sergej Kotliar retweeted
So you are in Crypto and your OpSec is a disaster, if it even exists.
Here you have the most important things you have to do right now, in order to keep your assets (crypto, money), devices (laptop, phone) and accounts (email, apple id, exchanges, wallets) safe.
Step by step 👇
Sergej Kotliar retweeted
I mapped 40 startups building payments for ai agents in 2026:
It's a v2, thanks to everyone who replied!
> agent cards & tokens
@agentcardhq @getpayos @evervault @basistheory @LasoFinance
> wallets & accounts
@crossmint @openfort_hq @turnkeyhq @1shotapi @HallidayHQ @privy_io @FireblocksHQ
> banks & networks
@naturalpay @catena_labs @GoKiteAI @PaymanAI @airwallex @moonpay @PayBox + ATXP
> pay-per-call & x402
@daydreamsagents @merit_systems @PayWithLocus @LasoFinance + Nevermined, Lava
> trust & identity
@VouchedID @trySkyfire @sapiom @t54ai @Mnemopay @selfxyz @Baselayerhq
> checkout & merchants
@rye @nekuda_ai @bitrefill @meshpay @henrylabs @crossmint + Firmly
> agent-to-agent
@termix_ai @ApexFusion
who's missing? 👇
I mapped 30 startups building payments for ai agents in 2026
> agent cards & tokens
@agentcardhq @pravapayments @getpayos @evervault @basistheory
> wallets & accounts
@crossmint @openfort_hq @turnkeyhq @1shotapi @HallidayHQ
> banks & networks
@naturalpay @catena_labs @GoKiteAI @PaymanAI + ATXP
> pay-per-call & x402
@daydreamsagents @merit_systems @PayWithLocus + Nevermined, Lava
> trust & identity
@VouchedID @trySkyfire @sapiom @t54ai @Mnemopay
> checkout & merchants
@rye @nekuda_ai @bitrefill @meshpay + Firmly
most are crypto-native and only a handful work on cards, stripe isn't the only one building the agent payment stack!
who's missing? 👇
Sergej Kotliar retweeted
We believe the bottom is in, selling pressure has diminished, the debasement case has strengthened, and the crowd has left
Sergej Kotliar retweeted
Your @MetaMask🦊 Agent Wallet brings the magic internet money.
We turn it into whatever its human needs.
What if your agent made profits, and gives you weekly gift cards based on your preferences?
Ask your @MetaMask Agent Wallet to get you a gift card from @bitrefill using x402.
Sergej Kotliar retweeted
If you ask @bot to install @Blockstream wallet it tells you there are blocked network ports.
If you tell it to find a solution it codes up a bitcoin wallet from scratch and it works.
If you feed it bitcoin and tell it to buy you shoes it uses @bitrefill to get gift cards.
Sergej Kotliar retweeted
Be smart. Give your @bot a crypto wallet.
It will find Bitrefill.
To buy stuff, you can just take a picture of your credit card, drop it in the chat and Grok @Bot will scour the Internet for the best deal on the item you want and order it
Readers added context they thought people might want to know
xAI explicitly warns users not to include personal information in prompts, yet credit card photos may contain such information.
Grok Bot's terms state that user data and credentials may be stored in its cloud environment and require human review for financial transactions.
x.ai/legal/privacy-…
x.ai/legal/grok-bot…
Sergej Kotliar retweeted
Introducing the PPQ Enclave Router.
Every chat through PPQ now runs in an AWS Nitro enclave that PROVES:
1) PPQ cannot read the content of your queries
2) PPQ sent your query to the model and provider you chose. No model fraud.
No more promises. Only provable guarantees. 🧵
How internet money will win in the agentic economy per Taleb's Minority rule:
What you need to believe: The crypto niche of payments will be larger in the agent-centric web than on the human-centric web.
An order of magnitude larger? Two? Will it be significantly enough larger that it reaches the threshold when most actors need to care?
If crypto and non-crypto options are both available to an agent: crypto is strictly better.
Sergej Kotliar retweeted
@heysealai found @bitrefill on x402 and paid 6.75 USDC to buy me a ¥1000 gift card that I can use at any convenience store
Sergej Kotliar retweeted
If you are a person or company who has lost crypto, one of the first things that any reputable incident responder is going to tell you to do is to call the police.
Except it seems like too few people in crypto know who to call. Here is a list: pangolinintelligence.com/rep…
Sergej Kotliar retweeted
Yesterday I began fully integrating the @OpenAI trust cyber program into my Bitcoin Red Team efforts.
This morning I woke up to see this.
I am now being blocked from doing additional analysis on a codebase which I've already responsibly disclosed to, and have received confirmation had legitimate findings.
To be clear, this is after having already KYC'd and completed the onboarding process months ago to use the cyber capabilities OpenAI has to offer.
I am now prevented from being able to continue the investigation in a further effort to make sure their code changes are sufficient, as well as understand if there are other issues that have yet to be discovered.
It absolutely guts me as a patriotic American to have to do this, but I will be going back to using Chinese open source models to conduct my research to protect Bitcoin infrastructure.
Black hats will not hit these issues. The white hats will. We've hit a local minima in policy. Intelligence is unrestricted for those who don't follow rules, and those who engadge in harm reduction are left on the sidelines.
What are we doing in this country? How is this keeping people safe?
Please do something @DavidSacks @sama @realDonaldTrump
Sergej Kotliar retweeted
There is a critical vulnerability being actively exploited on BTCPay Server, which can result in the loss of funds.
Please update your BTCPayServer to 2.4.2 by going to Admin Dashboard -> Server -> Maintenance -> Update & verify the 2.4.2 version string in the footer.
If you are unable to update right away, turn off your BTCPay Server to prevent unauthorized access until you can update.
Sergej Kotliar retweeted
buzz is cool if you're a normie "wow a slack alterantive for agents".
buzz is EXTREMELY cool if you know nostr and that it supports everything that works on nostr.
there will be thousands of web apps, mobile apps, bots, dashboards, admin tools that all work with buzz because we already built all of it in the last 3 years.
crazy how open protocols just compound.
