Retailgentic | Consumer Behavior & Retail Trend Jordi Montes: Founder+CEO Simple Checkout, From Crypto to Agentic Payments
Sep 30, 2025
Jordi Montes, Founder and CEO of SimpleCheckout.ai, shares his transformative journey from the Bitcoin Lightning Network to creating a unified payment framework for AI-driven commerce. He reveals how the capabilities of AI inspired agentic payments, emphasizing the need for payment systems that evolve beyond traditional browsers. Dive into his vision for L402, a protocol for AI agents, and why personalization will reshape online retail. With a focus on making payments agnostic, Jordi discusses the future of agent-to-agent transactions and the role of developers in this revolution.
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Commerce Mirrors Travel's Layering
- Agentic commerce splits into merchant, application, and end‑user layers similar to travel industry aggregators.
- This layered market will produce aggregators of aggregators and partnerships for inventory access.
Target Developers First, Consumers Later
- Start by serving developer‑builders who need authentic checkouts today and iterate toward consumer wallet experiences.
- Plan a consumer product later so users can centrally manage agent spending preferences and payment methods.
Unify Fragmented Payment Rails
- SimpleCheckout aims to unify fragmented payment rails so developers avoid integrating every wallet or network.
- Agnosticism to payment networks simplifies agent builders' lives.