Shopify CEO Tobi 以 Meta 的 Muse 为例指出,AI 智能体不会抽取用户消费额的 2%,而只收不到 1% 的基点费率。他援引 Visa 2025 财年 40B 美元净收入、约占其 14T 美元支付额 29 个基点作对比,说明微小费率靠网络规模也能赚数十亿。按美国家庭年均支出 81,905 美元计算,0.29% 约合 235 美元,节省归用户,厂商需数千万用户才能成立。
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