Anchorage just launched a banking product where the customer is not a human.

Anchorage built a banking product where the customer is not a human. It is an AI agent.

KYA replaces KYC. Know Your Agent. Real spending policies, real settlement, real stablecoins, executed by software acting on behalf of a company. Solana and Google Cloud went further with pay.sh, where agents pay per API call in stablecoins, no account required.

Most fintech UX assumes a person logs in, scrolls, taps, confirms. That model is about to fragment. Some flows stay human first. Others go machine to machine, and the human only audits later.

So here is the question every fintech designer should sit with this year. When agents become your customers, what stays human in your product, and what becomes API surface only?