Many experts share the perspectives of Bilotta AI agents, including Charles Hoskinson, founder and CEO of Cardano’s Input Output, who said that by 2035, they will become more relevant than humans.
Macroeconomic figures support his position. Data from the US International Trade Administration via Trade.gov shows that business-to-business (B2B) e-commerce in the broader Asia-Pacific region is growing at an annual rate of 15%, with market values expected to exceed $28.9 trillion by the end of this year.
Yet despite this explosive growth, the plumbing underneath remains broken. The problem is fundamentally a matter of existing infrastructure and compliance, Bilotta noted.
Global financial regulations, banking protocols, and identity checks were designed strictly for humans. An autonomous AI software agent cannot pass a standard compliance check, he said, or run a payment loop unless a human manually intervenes to validate the transaction.
To bridge this structural gap, the industry needs compliant back-end middleware that acts as a universal interpreter. Bilotta explained that by inserting an Anthropic standard Model Context Protocol (MCP) server directly into the payments infrastructure, software agents can programmatically navigate compliance, extract real-time FX quotes, and settle transactions natively across borders without human intervention.
While institutional gatekeepers like Stripe and Mastercard have spent billions acquiring fiat-to-crypto APIs to secure the cash flow of traditional businesses, the automated machine-to-machine economy in emerging corridors remains largely underexploited.
