AI agents can now execute tasks and transact, but they still can’t prove who they are or what they’re allowed to do. In finance, non-human identities—trading bots, risk engines, fraud detectors—outnumber humans by roughly 100 to 1. Yet those agents remain “unbanked”: their permissions and payment credentials don’t travel across platforms. What’s needed is a standardized agent identity layer—akin to SSL for machines—where cryptographically signed credentials link an agent to its owner, permissions and reputation. Blockchains already offer public ledgers, portable wallets and verifiable attestations. Early tools include on-chain agent registries, wallet-native agents trading USDC, and ERC standards for trust-minimized agents. But without a single identity protocol, merchants will keep shutting agents out. When AI systems start running real operations—allocating capital, managing supply chains—the formal governance setup matters less than who controls the underlying models. A decentralized vote means little if a single provider can push new model weights or override instructions. To keep agents accountable, you need cryptographic guarantees for everything: documented training data, recorded prompts, verifiable action logs and immutable instructions. Recording collective decisions onchain and enforcing them automatically ensures agents can’t be “retrained” out of user control. In practice, that means open-source, user-owned models, transparent execution logs and smart contracts that lock in governance rules. Agents are already buying services—browser sessions, image generation, web scraping—and stablecoins are becoming the default settlement layer. Stripe’s MPP marketplace and Coinbase’s x402 protocol both embed payments directly into HTTP calls. In its first week, MPP processed over 34,000 transactions with fees as low as $0.003 per call. After stripping out wash trading, x402 handles about $1.6 million per month, compared to a $24 million figure often cited. Major platforms—Cloudflare, Vercel, Google—have integrated x402. New CLI wallets like AgentCash connect agents to both MPP and x402, letting them draw stablecoins from a single balance to buy data, tools and compute. This headless commerce model bypasses storefronts or sales teams—agents read schemas, pay and receive results in one seamless exchange.