--- schema: 1 type: video title: 'Why AI Agents Will Need Their Own Bank Accounts — Lincoln Murr, Coinbase' description: >- Lincoln Murr, head of AI product at Coinbase, explains agentic finance: agents that pay with money and agents that grow it. He covers the path from AgentKit, an early experiment giving an AI a wallet, to x402, an open standard built on the long-unused HTTP 402 "payment required" code. x402 now handles hundreds of millions of agent transactions a month. Other topics are microtransactions as a replacement for the ad economy, agents running trades on simple instructions, and what two years of building taught Coinbase. Trust is earned step by step, and the AI is the enabler, not the product. He ends with a look at agents that can pay for their own upkeep. Chapters: - 00:00 What is agentic finance? - 01:20 AgentKit: giving an AI a wallet - 02:09 HTTP 402 and x402 - 03:13 How fast x402 took off - 04:24 Microtransactions vs. the ad economy - 06:23 Agents that grow money - 08:14 A weekend trade, by voice - 09:48 Lesson: trust is earned one step at a time - 11:35 AI is the enabler, not the product - 14:21 Where agentic finance is heading Lincoln Murr, Coinbase: https://www.coinbase.com Join us in SF for the second annual AIE CODE summit: https://aie.codes our last flagship summit of 2026. Applications live now! canonical: 'https://liquidgold.cc/watch/f_HwzoYrZ7s' markdown: 'https://liquidgold.cc/watch/f_HwzoYrZ7s.md' llms: 'https://liquidgold.cc/watch/f_HwzoYrZ7s/llms.txt' parent: 'https://liquidgold.cc/channel/aidotengineer.md' channel: aidotengineer updated: '2026-10-23T22:22:46.016Z' language: null children: [] videoId: f_HwzoYrZ7s durationSeconds: 1018 publishedAt: '2026-10-20T07:00:35.000Z' searchChunks: - ordinal: 0 text: null startSeconds: 23 endSeconds: 86 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=23' heldReason: rights - ordinal: 1 text: null startSeconds: 86 endSeconds: 98 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=86' heldReason: rights - ordinal: 2 text: null startSeconds: 145 endSeconds: 203 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=145' heldReason: rights - ordinal: 3 text: null startSeconds: 145 endSeconds: 203 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=145' heldReason: rights - ordinal: 4 text: null startSeconds: 203 endSeconds: 214 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=203' heldReason: rights - ordinal: 5 text: null startSeconds: 281 endSeconds: 389 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=281' heldReason: rights - ordinal: 6 text: null startSeconds: 281 endSeconds: 389 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=281' heldReason: rights - ordinal: 7 text: null startSeconds: 400 endSeconds: 501 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=400' heldReason: rights - ordinal: 8 text: null startSeconds: 512 endSeconds: 597 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=512' heldReason: rights - ordinal: 9 text: null startSeconds: 607 endSeconds: 704 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=607' heldReason: rights - ordinal: 10 text: null startSeconds: 704 endSeconds: 716 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=704' heldReason: rights - ordinal: 11 text: null startSeconds: 716 endSeconds: 868 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=716' heldReason: rights - ordinal: 12 text: null startSeconds: 879 endSeconds: 1018 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=879' heldReason: rights - ordinal: 13 text: null startSeconds: 879 endSeconds: 1018 watch: 'https://liquidgold.cc/watch/f_HwzoYrZ7s?t=879' heldReason: rights --- # Why AI Agents Will Need Their Own Bank Accounts — Lincoln Murr, Coinbase Lincoln Murr, head of AI product at Coinbase, explains agentic finance: agents that pay with money and agents that grow it. He covers the path from AgentKit, an early experiment giving an AI a wallet, to x402, an open standard built on the long-unused HTTP 402 "payment required" code. x402 now handles hundreds of millions of agent transactions a month. Other topics are microtransactions as a replacement for the ad economy, agents running trades on simple instructions, and what two years of building taught Coinbase. Trust is earned step by step, and the AI is the enabler, not the product. He ends with a look at agents that can pay for their own upkeep. Chapters: - 00:00 What is agentic finance? - 01:20 AgentKit: giving an AI a wallet - 02:09 HTTP 402 and x402 - 03:13 How fast x402 took off - 04:24 Microtransactions vs. the ad economy - 06:23 Agents that grow money - 08:14 A weekend trade, by voice - 09:48 Lesson: trust is earned one step at a time - 11:35 AI is the enabler, not the product - 14:21 Where agentic finance is heading Lincoln Murr, Coinbase: https://www.coinbase.com Join us in SF for the second annual AIE CODE summit: https://aie.codes our last flagship summit of 2026. Applications live now! Canonical: https://liquidgold.cc/watch/f_HwzoYrZ7s · Channel: [AI Engineer](https://liquidgold.cc/channel/aidotengineer.md) > Search chunk text is held until public-source provenance is verified. ## Document chunks --- #### Chunk 0: Document excerpt (0:12 to 1:38) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 1: Document excerpt (1:38 to 3:23) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 2: Document excerpt (3:23 to 6:29) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 3: Document excerpt (6:29 to 8:32) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 4: Document excerpt (8:32 to 9:57) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 5: Document excerpt (9:57 to 11:44) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 6: Document excerpt (11:44 to 14:28) > Held: transcript rights do not permit this chunk's text. --- #### Chunk 7: Document excerpt (14:28 to 16:58) > Held: transcript rights do not permit this chunk's text.