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Commerce is on the verge of a full circle moment. In the pre-internet era, buyers and sellers engaged in open market negotiations. Today, those exchanges are implicitly shaped by design, user experience, brand perception, and ease of checkout; subtle forces influencing every purchase decision. Commerce began from human-to-human and evolved into human-to-machine interactions with the introduction of e-commerce. The rise of AI agents marks the next major inflection point as we move towards an even more sophisticated selling environment. AI agents interact on behalf of shoppers, engaging with thousands of stores and catalogues in a matter of seconds to find the best deal, bringing unprecedented speed and convenience to the consumer. On the other hand, merchants face the risk of losing brand loyalty, proximity to customers, or worse, seeing their products and services reduced to commodities in the sea of AI-driven recommendations. In this article we will review the latest developments in agentic commerce from a merchant perspective. We will compare user journeys, potential challenges, implementation models and value creation opportunities.
Embedded payments have been the flavour of the year for several years now. Originally conceived as bespoke solutions for some of the largest marketplaces or complex platforms, they are increasingly presented to the wider market as frictionless, value-adding, and revenue-driving - a sort of no-brainer for a medium to large platform, or a SaaS/ ISV player. But for many ISVs, platforms, and merchants, the journey is much more complicated.
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Crypto, blockchain, and Web3 companies aren’t just reshaping financial services - they’re changing what careers in tech and fintech can look like. Whether you’re a developer, designer, marketer, or compliance expert, this is one of the most exciting, fast-moving corners of the job market. But how do you break in? At PaymentGenes, we work with some of the world’s most innovative payments and crypto businesses. We’ve helped engineers become founding CTOs, product managers transition into Web3 strategy roles, and compliance professionals find their niche in decentralised finance (DeFi). And here’s what we’ve learned: getting a job in crypto isn’t about ticking boxes. It’s about understanding the space - and showing up ready to add value.