西蒙顾和：2026年智能支付与遗留货币化的优势白皮书（英文版）

Payments are no longer the passive plumbing processing transactions at checkout. Theyhave become strategic revenue drivers. Powered by Al, payments have become complexintelligent systems with programmable infrastructure capable of real-time routing,approval optimization, and automated decision-making across rails, funding sources, andincentives. This white paper argues that while this shift is directionally correct, it is strategicallyincomplete. Agentic payments don't just improve perfor