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Trust is the choke point in agentic commerce, with FICO underwriting it, Shopify processing it, Visa authorizing it, Amazon owning the full stack, and Affirm financing it.
Shopify's AI-driven orders tripled YoY and Amazon's Alexa Shopping interactions jumped 5x, yet agent-initiated GMV still has no formal earnings line item.
Affirm's Card GMV surged 146% and its market cap sits near $23B, matching FICO's valuation exactly as autonomous checkout begins accelerating.
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