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I remained skeptical of the "AI" story

Yea AI buries the lead, its not about agent payments, but machine to machine or app to app payments more broadly. AI is a subset of THAT.

There's a race to the bottom for cloud/internet/information services just one manifestation of such.

Lightning is the lowest cost of true-settlement, the future of apps is buying the resources they need access to natively in the app. Every app eventually becomes a Lightning wallet in some form.