Humans-in-the-Loop Block Agents

AI agents are designed for autonomy, but legacy payment systems introduce friction that requires human intervention:

• Interactive Flows: Agents cannot independently complete checkout processes, enter credit card details, or navigate multi-factor authentication like CAPTCHA or 3DS secure.

• Delays and Unpredictability: Payment confirmations can take minutes to days, disrupting real-time agent decision-making and workflows.

• Compliance Barriers: Regulations around KYC/AML often mandate user verification steps that agents cannot fulfill.

These human-centric elements destroy agent efficiency, limiting their deployment in production environments and forcing hybrid systems that undermine the promise of fully autonomous AI.