Shopify CEO Tobi 认为 AI Agent 只能从用户消费中赚取万分之几的费用,因为 Agent 的核心价值是帮人们高效花钱、节省开支。作者用 Visa 类比:Visa 2025 财年以约 29 个基点的费率从 14 万亿美元支付流水赚取 400 亿美元净收入,说明微小费率需靠网络规模盈利。
Shopify CEO @tobi explains how an AI agent like Meta's Muse, can grow more valuable to you every day while its maker earns only basis points.
AI agents won’t earn 2% of what you buy, only a tiny fraction of 1%.
"People are spending money inefficiently... I think the world is not as optimized as people think, and agents can help people save money"
However, basis points pay at network scale. for context, Visa earned $40B of net revenue in fiscal 2025, about 29 basis points of its $14T in payments volume. Visa proves tiny fees can make billions, but only because trillions of dollars flow through it
An average US household spends $81,905 a year, and 0.29% of all of it is about $235.
Your agent can be worth a lot to you while earning its maker about $235 a year from you, at most.
The savings stay with you, and the maker needs tens of millions of users to make the math work. https://x.com/alexeheath/status/2115900271306158472/video/1
来源:Rohan Paul · x.com