What happens when AI agents become customers?

EUVC47mMay 14, 2026

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AI-Generated Summary

This episode of the European VC Podcast explores the emerging 'agentic economy'—a future where AI agents, not humans, become the primary customers for digital products and services. Host Nikko interviews Viggo Steinsert, founder of Solvapay, a payment layer designed specifically for agent-to-agent transactions. Despite initial assumptions that fully autonomous agent transactions were months away, Solvapay has already seen urgent demand from early customers, including platforms enabling creators to monetize AI-built data sets and analytics tools. The core challenge, as highlighted, is the lack of existing payment rails for AI agents—traditional systems like Stripe, Swift, and card networks were built for human users, not machine-driven microtransactions. Solvapay bridges this gap by providing identity, authentication, and transaction capabilities that integrate with existing financial infrastructure, avoiding crypto-only solutions that risk disconnecting from reality. The episode also features Redstone partners Michael Bilas and Samuel A. Siren, who explain their early bet on Solvapay based on its visionary thesis, team, and the massive structural shift in payments required for the agentic era. They emphasize that while incumbents like Stripe are moving fast, their legacy architecture makes retrofitting difficult, giving Solvapay a strategic advantage. The conversation ends with a vision of a future where the most valuable companies will be those that own the relationship with AI agents—becoming the 'bank' of the agentic world.

Key Takeaways
1

AI agents are becoming real customers today, not in some distant future—early adopters are already demanding agent-to-agent payment systems.

2

Existing payment rails (Stripe, Swift, cards) were built for humans and are ill-suited for machine-driven microtransactions, creating a critical infrastructure gap.

3

Solvapay is building a cross-protocol, cross-platform payment layer that enables both the buy and sell sides of the agentic economy, integrating with traditional banking systems.

4

Regulatory licensing and compliance are now core to the product roadmap—Solvapay’s first hire is a compliance officer, showing the capital-intensive nature of fintech infrastructure.

5

Incumbents like Stripe are moving fast but face architectural inertia; Solvapay’s greenfield design gives it a strategic edge in building for agent-native behaviors.

…and 1 more takeaway available in PodZeus

Chapters
0:00
10 min

The Rise of the AI Agent Customer

It sounds to me like we're looking into a future where your next customer isn't going to be a human. It's going to be an agent.

Highlight
10:00
10 min

Solvapay: Building the Payment Layer for Agents

Viggo Steinsert explains Solvapay’s mission: enabling both the buy and sell sides of agent-driven commerce. The platform provides identity, authentication, and transaction capabilities while integrating with existing financial rails.

20:00
10 min

The Battle of Protocols and Market Fragmentation

The episode explores how AI agents are trapped in walled gardens (e.g., OpenAI’s marketplace) and how Solvapay aims to be a universal, cross-protocol layer—like a USB standard—for the agentic economy.

30:00
10 min

Why Redstone Invested Early: Vision Over Traction

I thought, well, actually, this is not the incremental stuff I usually see in FinTech. This is massive.

Highlight
40:00
10 min

The Roadmap: From Product to Regulation

Viggo outlines Solvapay’s 12-month plan: securing regulatory licenses, deep integrations into AI marketplaces, and building a no-code solution for developers to enable agent commerce.

High-Impact Quotes
It sounds to me like we're looking into a future where your next customer isn't going to be a human. It's going to be an agent.
Nikko0:58
Viral: 90.0
The more you think about use cases, the more excited I got. It sounds to me like we're looking into a future where your next customer isn't going to be a human. It's going to be an agent.
Nikko0:54
Viral: 90.0
I thought, well, actually, this is not the incremental stuff I usually see in FinTech. This is massive.
Michael Bilas19:00
Viral: 85.0
Speakers

Host

Nikko

Guests

Viggo SteinsertMichael BilasSamuel A. Siren
Topics Discussed
agentic economy95%agent-to-agent payments90%fintech infrastructure85%regulatory licensing80%AI agent identity and authentication75%cross-protocol interoperability70%microtransactions65%incumbent vs startup innovation60%
People & Brands

Solvapay

organization

45xPositive

Viggo Steinsert

person

38xPositive

Nikko

person

32xNeutral

Redstone

organization

25xPositive

Michael Bilas

person

22xPositive

Samuel A. Siren

person

20xPositive

Stripe

organization

15xNeutral

MasterCard

organization

8xNeutral

Visa

organization

7xNeutral

Grok

organization

6xPositive

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