---
title: "Discussion on \"Visa's Neutrality Moat Is Real — But It Lives in Scheme Rules, Not Network Position\" | Hashnode"
description: "Discussion on \"Visa's Neutrality Moat Is Real — But It Lives in Scheme Rules, Not Network Position\". The agentic payments protocol war has a structural winner hiding in plain sight — and it's not who's building the fastest SDK."
url: "https://hashnode.com/posts/visas-neutrality-moat-is-real-but-it-lives-in-scheme-rules-not-network-position/69ed725ddafc721c28f6aef9"
---

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Discussion

# [Visa's Neutrality Moat Is Real — But It Lives in Scheme Rules, Not Network Position](https://blogs.agenticpayment.forum/visas-neutrality-moat-is-real-but-it-lives-in-scheme-rules-not-network-position?utm_source=hashnode&utm_medium=feed)

The agentic payments protocol war has a structural winner hiding in plain sight — and it's not who's building the fastest SDK.

Apr 26 · 5 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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