The Pilot Wall Is a Liability Wall: Onboarding Is the Real Gate

October has been defined by a distinct pattern in agent-payments infrastructure. While the industry continues to struggle with the gap between announced intent and actual retailer readiness, as detailed in our retailer-readiness analysis , the launches that did arrive this month were almost exclusively placed behind pilot programs or sales gates. That piece measured the retailer side – who plans to open a catalog and who actually holds the data agents need. This one is the payments-rail side: who is letting an agent move money, and under what gate. This bifurcation suggests that the industry is not waiting for better code, but for a clearer understanding of liability.

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