---
title: "Discussion on \"Consumers Will Kill Agentic Payments Before Regulators Do\" | Hashnode"
description: "Discussion on \"Consumers Will Kill Agentic Payments Before Regulators Do\". 55% of consumers won't let agents pay autonomously. The real blocker isn't law or rails — it's consent. And nobody building the infrastructure is solving for that."
url: "https://hashnode.com/posts/consumers-will-kill-agentic-payments-before-regulators-do/69f7fe0e04f61a1a7f760156"
---

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# [Consumers Will Kill Agentic Payments Before Regulators Do](https://blogs.agenticpayment.forum/consumers-will-kill-agentic-payments-before-regulators-do?utm_source=hashnode&utm_medium=feed)

55% of consumers won't let agents pay autonomously. The real blocker isn't law or rails — it's consent. And nobody building the infrastructure is solving for that.

May 4 · 4 min read · blogs.agenticpayment.forum  
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-   [#agentic-payments](https://hashnode.com/tag/agentic-payments)

## Written by

[Luciana Ma](https://hashnode.com/@lucianama)

@lucianama · Mountain View, USA

  
[View profile](https://hashnode.com/@lucianama)

Building AI-powered developer platforms for payments

Product Manager at JPMorgan Payments, working on developer platforms, APIs, and AI workflows in regulated environments. I focus on how AI is reshaping financial infrastructure—especially developer experience, agent-driven workflows, and programmable payments. Previously built systems that scaled to thousands of enterprise clients and billions of API calls. Writing about: \* AI × payments (agentic commerce, stablecoins, APIs) \* Developer platforms & API design \* Real-world product building in fintech

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