David leads agent research and design at Orchard28. Before founding the company he spent 35 years building marketplace and payments systems, and he has strong opinions about who should hold the wallet in an agentic world (hint: not the agent). He writes about autonomous transactions, trust engineering, and what it takes to let software buy things on your behalf.
Car hire is a maze of classes, fuel policies, excess cover and counter upsells. An Orchard28 car-hire agent walks it for you — and gets a little sharper about what you actually want every single time you rent.
A payment protocol for agents has to clear a whole gauntlet — identity, intent, revocation, liability, interoperability and human trust. AP2 is a serious attempt at it; here are the challenges that decide whether it works.
Open USD is a low-cost, openly governed stablecoin backed by a 140-partner consortium including Visa, Mastercard, BlackRock and Stripe. Here's why Orchard28 is adding it as a settlement rail — and why it's good for the merchants our agents buy from.
For a small business, a chargeback is a trial where you gather your own evidence at midnight. Orchard28 runs collect that evidence for you — at hailing, at payment, and at completion — so the defence is written before the accusation arrives.
Corporate travel is the most rule-bound purchase in business — which makes it the perfect job for an agent. Policy-faithful bookings, one tap to approve the corporate card, and about $53 saved every time a human doesn’t have to do it.
AP2’s mandate machinery grew up in the world of recurring subscriptions and merchant-initiated charges. Stretch it over autonomous one-shot purchases and the seams show — in the merchant’s chargeback column.
When software spends money while you sleep, promises aren’t enough. Independent certification is how every party in an agentic transaction knows it’s safe — and Orchard28 holds that bar today.
Uber settled the question of who signs the receipt a decade ago. Agentic commerce inherits the same answer — and the lift to make it work today is smaller than it looks.
The goods are gone, the money is clawed back, the fee lands anyway — and now you have three weeks to prove your innocence. A look at the human cost of chargebacks, and the better way agentic commerce can treat sellers.
Agent-ready credentials are real progress — but when an autonomous agent checks out and the cardholder disputes it, someone still eats the chargeback. Here’s why that someone is too often the merchant, and how Orchard28 rebalances the scale.
A play-by-play of an autonomous ticket run — what the agent watches, when it strikes, and why the human never had to wake up.
How Orchard28 lets an agent spend real money without a human tap — and why the answer is hard limits, not good intentions.
Uber turned getting a ride into a dispatch. The same shift is coming for buying — and it changes what a transaction even is.