₿ The Book of ₿itcoin
Home / Field Notes

Money for AI agents: spend, save, and Lightning


Bitcoin is the base. The interesting question is what gets built on it, and AI agents are the newest test. AI agents can read, plan and call tools. The next question is how they pay. The honest picture so far: dollars and stablecoins for everyday spending, Bitcoin as the coin you keep, and Lightning for tiny instant payments. These guides follow the real protocols and documents and say what is confirmed and what is hype.

Start with the first guide below, then read in any order. These guides are drafted by an AI assistant from primary sources and checked before publication. How we verify. Nothing here is investment advice.

How to use this guide

Read the first card to get the plain-words overview, then jump to whatever you need. Every article ends with its sources, and anything we could not confirm is marked as unconfirmed instead of guessed. If a word is new to you, the Glossary gives a short definition with a source.

What these guides do not do

They do not predict prices, recommend products, or tell you what to buy or sell. Opinions are kept in a box labelled “Our take (opinion, not fact)”, so you can always tell facts and opinions apart. New guides are added as new Field Notes are published.

The guides

Can AI Agents Pay With Bitcoin? Short Answer: They'd Rather Use DollarsAI agents are getting wallets. Three standards (x402, L402, AP2) decide how they pay. Who does what, in plain words, and which num138 Million Robot Payments, and Why Nobody Is Cheering YetChainalysis counted 138 million AI-agent payments on one network. Most were pennies. Here is what the report says, what it does noStablecoins and the GENIUS Act: What the Law SaysThe US passed a stablecoin law in July 2025. Here is what it says in plain words, what we could not verify, and why it matters for
Copied