@collision think you'll enjoy this one
@collision 觉得你会喜欢这个
Spotify: YouTube:
Spotify：YouTube：
Agents who can buy, sell, and trade on our behalf are becoming a major part of the economy. But what exactly are they doing? Stripe sees 2% of global GDP, so they’re the company with the best view of what’s going on in the earliest innings of the agent economy. That’s why I had Emily Glassberg Sands, who leads data and AI at @stripe, on @every’s AI & I. We covered: - Most of us still don’t trust AI with larger online purchases. People are hesitant to let AI make expensive purchases like a vacation or a couch—just like the early days of online shopping. But a superhero outfit for a kid who needs one stat? Sure, let the agent handle it. - Fraud is moving up the stack. It used to mean stolen credit cards. Now attackers are stealing free-trial tokens and compute credits. Free-trial abuse has 4x-ed in the last six months.. - AI is on both sides of fraud. Fraudsters are using it to scale attacks, while Stripe is using it to detect them. They’re blocking 250,000 fraudulent free trials a week for one large customer. - AI companies are growing faster than any cohort Stripe has ever tracked. Top companies hit $30M ARR in 18 months—3x faster than the 2018 SaaS class. So far, it’s net new spend instead of cannibalized software budgets. If you want to understand how AI is reshaping online commerce, this one deserves your time. Timestamps Introduction: 00:00:45 New rules for an agent-driven economy: 00:01:27 Compute theft is the new payment fraud: 00:03:57 How Stripe expanded fraud detection from checkout to the full customer lifecycle: 00:10:00 Why AI companies are scaling way faster than top SaaS companies: 00:19:48 Outcome-based billing is replacing seat-based pricing: 00:23:27 Where AI spending is coming from: 00:29:57 How the developer experience changes when agents are the builders: 00:36:45 The agentic commerce spectrum, from assisted buying to autonomous purchasing: 00:41:00 Meet Link, a consumer wallet for delegated agent purchases: 00:51:06
能代表我们进行 buy、sell 和 trade 的 agent，正在成为经济中的一个重要组成部分。但它们究竟在做什么？Stripe 看到了全球 GDP 的 2%，因此在 agent economy（agent 经济）最早期阶段正在发生什么这件事上，它是视角最好的公司。这就是为什么我邀请了 Emily Glassberg Sands——她在 @stripe 负责 data 和 AI——来到 @every 的 AI & I。我们聊到：- 我们大多数人仍然不信任 AI 来处理金额较大的线上购买。人们不太愿意让 AI 做出像度假或沙发这样的高价购买决定——就像 online shopping 的早期一样。但如果是给一个急需超级英雄服装的孩子买衣服？当然，可以让 agent 来处理。- 欺诈正在向上游迁移。过去，欺诈意味着被盗的信用卡。现在，攻击者正在窃取 free-trial token（免费试用 token）和 compute credits（算力额度）。在过去六个月里，free-trial abuse（免费试用滥用）增长了 4 倍。- AI 正在欺诈的两端同时发挥作用。诈骗者在用它扩大攻击规模，而 Stripe 在用它检测这些攻击。对于一家大型客户，他们每周会拦截 250,000 次欺诈性免费试用。- AI 公司增长速度比 Stripe 追踪过的任何 cohort（群组）都更快。头部公司在 18 个月内就达到 3000 万美元 ARR（年度经常性收入）——比 2018 年的 SaaS 班级快 3 倍。到目前为止，这些支出是净新增支出，而不是对软件预算的挤占。如果你想了解 AI 如何重塑 online commerce（在线商业），这期内容值得你花时间。时间戳 引言：00:00:45 agent 驱动经济的新规则：00:01:27 算力盗窃是新的支付欺诈：00:03:57 Stripe 如何将欺诈检测从 checkout（结账）扩展到完整客户生命周期：00:10:00 为什么 AI 公司扩张速度远快于顶级 SaaS 公司：00:19:48 基于 outcome（结果）的计费正在取代基于 seat（席位）的定价：00:23:27 AI 支出来自哪里：00:29:57 当 agent 成为构建者时，developer experience（开发者体验）会如何变化：00:36:45 agentic commerce（agent 驱动商业）光谱：从辅助购买到自主购买：00:41:00 认识 Link，一个用于委托 agent 购买的消费者 wallet（钱包）：00:51:06