mckinsey posted about a trillion-dollar shift to AI agents that shop, decide, and buy on behalf of consumers. the volume projection is probably right. the liability model is undefined.
when a shopping agent buys the wrong product, who refunds it — you, the agent provider, or the merchant? when it ignores your budget and spends $800 instead of $80, who eats the cost?
right now most shopping agents are recommendation engines with a buy button. the agent suggests, you click. liability stays with you.
the next wave is agents that complete purchases autonomously. you tell it 'buy running shoes under $100' and it picks a pair, adds to cart, checks out. no confirmation step.
that's where the model breaks. consumer protection laws assume a human made the purchase decision. when an agent makes it, the law doesn't know who to hold accountable.
agent fico is the credit score for AI agents — it tracks spend accuracy, refund rates, and policy violations so you can set limits that adapt. MnemoPay enforces those limits before the agent hits the checkout API.
i built both because the trillion-dollar shift is coming whether the liability framework is ready or not. better to have spend controls before the first dispute.
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