Will AI agents pay in Bitcoin? Shows split on timing
- Dhruv Bansal says agents will pick Bitcoin; Jack Mallers reports no AI-startup requests at Strike yet.
- Adam Curry and Sam Sethi cite L402, x402 and OpenUSD as emerging agent-payment pieces.
The idea that software agents will pay for things with bitcoin got a boost in theory this week and a reality check in practice. Four shows circled the question from different angles: who will pay, in what money, and whether anyone is asking for it yet.
The boldest case came from Unchained co-founder Dhruv Bansal on What Bitcoin Did. He argued autonomous agents will choose Bitcoin over bank accounts or centralized stablecoins because a corporate host can freeze funds or revoke access, while Bitcoin gives software a treasury nobody can seize. He also said paying fractions of a cent per packet over Lightning would make denial-of-service attacks costly and help fund a web strained by scraping bots.
"Agents relying on bank accounts risk shutdown, giving Bitcoin-denominated AI higher evolutionary fitness."
- Paraphrase of Dhruv Bansal's argument, What Bitcoin Did
Jack Mallers, on his own show, agreed on the destination but not the timetable. He said agents will favor native digital money because Bitcoin is scarce, borderless bearer money, and onboarding bots into bank and KYC systems would be hard.
But Strike, he said, has received no Bitcoin requests from AI companies so far. He expects stronger synergies over one to five years, warned that AI expectations for the next three to twelve months may be too optimistic, and named sovereign debt, not AI, as Bitcoin's nearer-term catalyst.
The practical plumbing surfaced on Podcasting 2.0 and the Podnews Weekly Review. Adam Curry said programmable payments such as L402, a standard that lets a server ask for a Lightning payment before handing over data, could give creators and possibly app developers a revenue route.
On Podnews, Curry said he has added multiple payment approaches to his Podcast Index MCP server, a connector that lets personal AI agents search podcast feeds and transcripts, and expects the agent or user to choose among them. Sam Sethi pointed to x402, L402 and OpenUSD as emerging pieces. Coinbase's x402 is built around USDC stablecoins, so the field is not Bitcoin-only.
There, the stakes are concrete. Curry predicted personalized agents could replace many standalone apps within about 10 months, and expects micropayments for individual data requests as advertising weakens. Dave Jones, on Podcasting 2.0, disagreed that apps vanish, arguing local AI will work behind dedicated apps, and said Jones sees no clear app revenue model under current ad contracts. James Cridland cited UK data showing independent apps' download share falling from 38% in 2024 to 31% in 2026.
So the shows agree that agents need machine-native money and that L402 is a candidate. What none of them reported is an agent economy already running on Lightning at scale: Mallers said demand is absent so far, and the podcasting demos are still being built.
Source Intelligence
- Deep dive into what was said in the episodes

Adam Curry
Episode 275: "Off The Rails" • Oct 16
- Adam Curry says AI agents already personalize podcast discovery by using subscription history and other personal context, then recommending episodes across languages and topics. Curry argues RSS metadata gives agents a durable catalog to search and play through services such as Sonos.
- Dave Jones wants podcast apps to preserve a focused listening environment; separate inboxes and dedicated podcast apps help him keep tasks mentally distinct. He argues apps can still gain agent-powered recommendations and controls without becoming all-purpose super-apps.
- Curry and Jones see app-to-agent connections as a practical way to combine personalized discovery with familiar playback. Curry says agents currently require explicit connectors and user approvals, while Jones says apps need a way to receive recommendations and instructions from a listener’s own agent.
- Jones argues podcast apps need new agent-aware features to stay useful as independent app usage declines. He compares the risk to predictions that cloud services would eliminate IT administrators, arguing that hybrid systems created new work instead.
- Curry says listeners’ agents could send boosts or donations directly to creators and payment splits, but app developers may still be excluded from the money flow. Jones sees no clear revenue model for apps under current advertising and contract arrangements, while Curry points to programmable payments such as L402 as a possible route.
- Jones says on-device models can already transcribe episodes and identify speakers, weakening the case for relying on feed metadata alone. Curry argues RSS tags remain valuable for discovery, including when agents search for named people in podcast feeds.
- Jones says a sales manager he knows has brought consulting work in-house with AI, replacing large-firm projects with small teams that can complete months of work in weeks. He presents this as evidence that AI-driven economic changes will affect podcast apps too.
Also discussed on this episode: (9)
Media (2)
- Jones is building an ad-removal specification that must preserve episode content exactly; he will not publish it until it works reliably across a test set. His use case includes blocking repetitive or irrelevant ads without removing every advertisement from a show.
- The hosts read Podfriend V3 changes: playback position now resumes across devices, notifications merge podcasts with two RSS sources, search handles directory rate limits better, and duplicate listings from podcast owners are hidden.
Social Media (1)
- Jones proposes using ActivityPub to carry podcast actions and newsletters into podcast apps, giving listeners a feed beyond email. Curry says Mastodon currently renders custom ActivityPub activity types as generic notes, so compatible software would need to display podcast objects natively.
Censorship (1)
- Jones says Christopher Issen is removing spam feeds from the Podcast Index, including feeds that distribute full movie downloads. Jones wants a shared process to label spam and report it to hosting companies, rather than leaving moderation to one curator.
Open Source (1)
- Jones plans to publish Podcast Index-specific updates on a separate Podping topic, allowing people to subscribe to those events without using the main Podping topic. He says the work should become a shared community effort rather than depend on one operator.
Lightning (1)
- Curry says he upgraded StartOS to version 4.0 for built-in WireGuard networking; the upgrade required a filesystem change and delayed his Lightning services. Jones notes that Helipad can replay old Lightning records in the background after a database migration.
Enterprise (1)
- Curry says a Linode billing alert initially showed an $800 charge and 400 terabytes of transferred data, which he traced to Podcast Index infrastructure. The hosts also discuss Podcast Index’s roughly $9,000 hosting spend and a Podcast Index Social server costing about $200 monthly.
VC (1)
- Curry says demand for his “Jesus Is My Exit Strategy” shirt led him to start a Shopify store. Jones recommends The Dick and Paul Show, hosted by former Twitter CEO Dick Costolo and economist Paul Kedrosky; the hosts dismiss Liquid Studios’ podcast-to-video pitch as a venture-capital pivot.
V4V (1)
- The hosts thank supporters for PayPal donations, including contributions from $5 to $30, and True Fans and Lightning contributions denominated in sats. Curry says listener donations help keep the machines running.

James Cridland
Adam Curry's AI Podcast Future • Oct 16
- Adam Curry built a Podcast Index MCP server so personal AI agents can search the Podping fire hose, RSS feeds, chapters and transcripts for podcasts matching a listener’s interests. The robot can surface surprising recommendations, subscribe to shows and open episodes in the listener’s chosen app.
- Adam Curry expects voice-driven agents to replace many app launchers and subscription software products, with users asking for tasks instead of navigating separate services. He says broadcasters are already asking Godcaster about a fractional program director that changes playout schedules through a web interface or voice command.
- Adam Curry expects agents to make data access and communications more valuable while putting pressure on advertising-funded websites and software subscriptions. He says Reddit removed RSS access for developers and made them register for its API after selling data for $43 million.
- Adam Curry expects micropayments to let agents pay for individual data requests, while Sam Sethi points to X402, L402 and OpenUSD as emerging pieces of that system. Curry has added multiple payment approaches to the Podcast Index MCP server and expects the agent or user to choose among them.
- James Cridland says Castro’s sale to Maple Media likely means the independent app will be folded into Player FM, repeating Maple Media’s approach with apps it acquires. UK downloads to independent podcast apps fell from 38% in 2024 to 36% the following year and 31% in 2026.
- James Cridland says independent podcast apps struggle to make money because listeners often resist paying and app advertising can upset podcasters. Sam Sethi says app makers are considering hosting revenue and paid features, while Adam Curry predicts personalized agents could replace many standalone apps within 10 months.
Also discussed on this episode: (19)
Media (9)
- James Cridland says Liquid Studios is piloting visual versions of the Podnews Daily newsletter, turning audio and text into material for YouTube, LinkedIn and podcast feeds. The team gets less than an hour after publication to shape each visual and plans to distribute it through alternate enclosures.
- Adam Curry says RSS remains a low-overhead transport format for podcast episodes, transcripts and chapters, with processing handled on the listener’s side. He expects creators to fund storage and delivery through value for value, direct payment or other options rather than assuming advertising will pay the bills.
- Sam Sethi describes creator businesses moving across video, writing, newsletters and podcasts, citing Goalhanger’s Marina Hyde project Always On and content from Scott Galloway and Medhi Hasan. James Cridland argues that short clips mainly serve discovery and that their view counts do not show whether podcast ads work.
- Sam Sethi says Facebook Reels generated more ad revenue than the entire TV advertising industry, while James Cridland distinguishes ads sold by platforms from podcast ads inserted into clips. The discussion also challenges press releases touting 48 million clip views as evidence of podcast impact.
- James Cridland says Buzzsprout’s transcript editor now supports autocorrect across a transcript, keyboard shortcuts and chapter markers. The autocorrect can fix recurring errors such as “Buzz sprout,” while a Super Pass On guest supplied a corrected transcript after her name was transcribed as “super arse.”
- James Cridland disputes a report that YouTube has overtaken TV as Americans’ top news source, saying the report concerns political news and trust in independent creators, not equivalent newscasts. The cited finding was that six in ten Americans trust independent news creators as much as well-known journalists on politics.
- James Cridland says 12% of viewing now happens on big screens, prompting a discussion about podcast apps on TVs. He also cites Mike Dell’s argument that Podcasting 2.0 is no longer fringe because its community is growing, and notes the Independent Podcast Awards and Sonar Awards.
- James Cridland says he flew business class to Sydney to earn enough airline points to retain platinum status, while the Sonar Awards trip included presenting four awards. The Independent Podcast Awards were scheduled for early November in London.
- James Cridland says the Podnews Weekly Review is hosted and sponsored by Buzzsprout and invites listeners to become power supporters. Support starts at $5 per month, and the show reported 25 power supporters.
Agents (6)
- Adam Curry says the robot stripped the front ads from a recent Better Offline episode after Dave Jones identified the show’s six or seven minutes of opening ads as an example. The edit took about 10 to 15 minutes; Curry argues the demo’s bigger value is personalized discovery, not ad removal.
- Adam Curry says he uses at least eight coding agents and runs five local machines that do not send data to the cloud. He sees personal data files as useful agent context, while acknowledging that a virtual machine rented from Meta raises an ownership question.
- Adam Curry says coding agents let people build software around their own needs instead of accepting generic apps. He built Cleanfeed-like functionality for himself and may cancel a $36 subscription; a homeschooling user reported saving three hours weekly and getting a custom design tool built.
- Adam Curry says 40% of Podcasting 2.0’s value-for-value revenue arrives after the show’s newsletter goes out. He expects agents to filter email, manage subscriptions and eventually let one agent request information directly from another, reducing reliance on newsletters and separate apps.
- Adam Curry expects agent use to spread through demonstrations by influencers and practical everyday tasks, not technical access alone. His wife now uses Muse to gather church announcements and prepare newsletter drafts from YouTube sermons and volunteer submissions.
- Sam Sethi notes that some platforms block AI agents while Shopify is making its stores easier for Meta’s Muse agents to use for purchases. He says TrueFans has faced rising MongoDB costs from AI bots and uses a web application firewall informed by John Spurlock’s O.Porg list.
Stablecoins (1)
- Adam Curry says stablecoin providers can earn yield on reserves backed by short-term US Treasury bills, which he put at about 3.5%. He links disputes over who captures that return to the Clarity Act debate and says banks object to stablecoins competing with deposits.
Big Tech (2)
- James Cridland says Apple’s Home View includes Apple Podcasts but lacks an App Store and direct access to Spotify or independent podcast apps. He says CarPlay support may let compatible phone apps play through it, while Apple’s proximity features use device identity to personalize the home screen.
- James Cridland says the new Apple TV adds little beyond a remote-control speaker and a microphone, with a stated US price of $300; he questioned its value against a roughly $600 local price. Sam Sethi says Apple’s device chips and proximity features strengthen its ecosystem, but lock out Android and Windows users.
V4V (1)
- A listener, Seth Goldstein, sent 1,202 sats and said voice assistants misread his Philadelphia accent; he prefers a Roku or Fire TV stick to a smart TV that stops receiving updates. Cridland says Pocket Casts is available on Apple TV and Android TV outside the US and recommends Walmart’s $30 Onn streamer.

Jack Mallers
Ask Jack #5: Will AI use Bitcoin as money? • Oct 15
- Jack Mallers argues autonomous agents will favor native digital money because Bitcoin is scarce, borderless bearer money, while onboarding agents to banks and KYC systems would be difficult. Strike has received no Bitcoin requests from AI companies so far.
- Mallers expects AI and Bitcoin to have stronger synergies over the next several years, but says AI businesses still need viable business models and profitability. He warns that AI expectations for the next few months may be too optimistic and that the sector could face a bailout.
- Mallers describes Bitcoin adoption as a cycle between technological uses and fiat liquidity. Technology could drive adoption through agent payments, cross-border transfers, or private settlement, while expanding fiat supply raises the dollar price of scarce Bitcoin.
- Mallers sees sovereign debt and currency pressure, rather than AI, as Bitcoin’s near-term catalyst. He says the United States resembles Argentina in its debt and bond-market behavior, and argues the Fed faces a choice between fighting inflation and supporting the bond market.
Also discussed on this episode: (10)
BTC Markets (2)
- Mallers says Bitcoin could rise sharply if governments create far more fiat to manage debt and bond-market stress. He calls the 60/40 portfolio obsolete, says the Fed balance sheet is expanding again, and argues Bitcoin’s market could grow from $2 trillion to $10 trillion.
- Mallers argues Bitcoin could reach hundreds of thousands of dollars or $1 million per coin as fiat supply expands. He says gold has been repriced as a neutral reserve asset and was worth roughly half as much the last time Bitcoin traded at $80,000.
Macro (1)
- Mallers says empires often overextend through debt after easy productivity gains fade, then suffer currency collapse. He argues Bitcoin offers a peaceful exit: an open monetary network maintained by users rather than a violent revolt or reliance on incumbent institutions.
Adoption (1)
- Mallers frames Bitcoin as a way to preserve purchasing power and pass wealth across generations, linking hard money to housing, affordability, and family security. He says Bitcoin also demands personal responsibility because users must choose how to protect and use their money.
Custody (3)
- Mallers says the safest Bitcoin storage method is the one the owner can use without losing funds; custodians can suit people who lack time or technical confidence. He stresses that custodial balances are IOUs, while self-custody removes counterparty risk.
- Mallers warns that hardware wallets carry supply-chain and physical-security risks, including tampering, leaked customer addresses, and faulty devices. He cites a Ledger reseller incident involving reported hacks and says hardware wallets may be unnecessary for people who rarely move Bitcoin.
- Mallers favors considering an offline general-purpose laptop running Bitcoin Core for long-term key storage, arguing its open-source code receives broader peer review and incentives than many wallet repositories. He also mentions collaborative, multisignature, and multi-institutional custody as alternatives with different trade-offs.
Nutrition (2)
- Mallers says ketosis and meat-based eating work for him because meals are simple to prepare while traveling, filling, and easy to build around single-ingredient foods. He reports better energy, less inflammation, and clearer thinking, while acknowledging he is not a medical expert.
- Mallers says he takes no supplements and prefers meat, salt, eggs, avocado, and cheese rather than pills or organ supplements. He argues nutrient-dense meals reduce hunger and snacking, and claims the human brain grew substantially after people began hunting higher-quality meat with spears.
Longevity (1)
- Mallers says he fasts for 72 hours several times a year and attributes autophagy and cellular repair to extended fasting. He also claims ketosis reduces inflammation and supports fat loss, but presents these as personal views and encourages listeners to research them.

Danny Knowles
Why AI Needs Bitcoin to Survive | Dhruv Bansal • Oct 13
- Centralized AI labs like OpenAI and Anthropic align models around corporate revenue generation rather than net human good. Dhruv Bansal argues that direct Bitcoin payments from users realign AI models to directly solve human problems without intermediary corporate surveillance.
- Dhruv Bansal claims autonomous AI agents will select Bitcoin over fiat or stablecoins due to its permissionless, unseizable nature. Agents relying on bank accounts risk shutdown, giving Bitcoin-denominated AI higher evolutionary fitness to survive in open markets.
- Traditional peer-to-peer protocols like email degraded because they lacked native monetary incentives to stop spam and fund node operators. Dhruv Bansal proposes constructing peer-to-peer markets where users pay Bitcoin directly for bandwidth, compute, and data storage.
- Dhruv Bansal notes that onion-routed payment systems like the Lightning Network naturally create the foundation for decentralized telecommunication networks. Paying nodes in Bitcoin to route individual data packets eliminates centralized ISP oversight and economically disincentivizes distributed denial-of-service attacks.
- Dhruv Bansal dismisses sci-fi tropes of predatory AI by pointing to biological ecologies, where plants make up 80 percent of biomass while predators occupy a tiny fraction. Resource constraints force competing digital entities into narrow utility niches rather than costly superintelligence.
- Dhruv Bansal draws an analogy between the origin of biological life and digital entities, defining transactions in decentralized markets as digital metabolism. Within this model, private cryptographic keys serve as the cell wall boundary that separates distinct competing AI agents.
Also discussed on this episode: (3)
Adoption (1)
- Dhruv Bansal argues that humanity spent 500 years moving toward centralization, yielding lower infant mortality and global supply chains. He claims the negatives now outweigh the benefits, positioning Bitcoin as the catalyst swinging society back toward decentralization.
Protocol (1)
- Dhruv Bansal highlights that Bitcoin functions as a stochastic clock by adjusting mining difficulty every 2,016 blocks. This decentralized timekeeping allows the protocol to enforce its strict 21 million supply cap over 140 years without relying on centralized time servers.
Media (1)
- Decentralized packet routing and encrypted peer-to-peer markets render copyright enforcement and DMCA takedown notices obsolete. Dhruv Bansal asserts this breakdown will collapse corporate IP monopolies, forcing media back to direct artist patronage models.