Superteam Demo Day: Latinum.ai (Brendan Regan)

With over $60 billion in AI-assisted commerce recorded during Black Friday and Cyber Monday 2024, one startup is betting big that 2026 will be the year AI agents don't just help consumers shop—they'll do the shopping themselves. At Breakpoint 2025's Superteam Demo Day, Brendan Regan introduced Latinum.ai, a merchant-first infrastructure designed to power the coming wave of agent-to-commerce transactions.

Summary

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Latinum.ai positions itself at the intersection of artificial intelligence and cryptocurrency payments, creating the rails necessary for AI agents to seamlessly conduct e-commerce transactions. The platform addresses a fundamental challenge facing online merchants: how to prepare for a future where AI agents, not humans, are increasingly making purchasing decisions.

The startup's approach is elegantly straightforward. Merchants upload their product catalogs to Latinum, which combines them with MCP (Model Context Protocol) UI components and an AI agent. This creates a deployment layer that can render across multiple platforms where customers already spend their time—WhatsApp, Telegram, dedicated storefronts, or even within ChatGPT itself.

What makes Latinum particularly innovative is its checkout integration using stablecoins and the x402 payment protocol. The x402 protocol enables a simple payload that attaches to any endpoint, returning a payment-required status code. Regan revealed that Latinum has even proposed additions to the x402 specification to handle multiple items and shopping baskets—essential functionality for real-world e-commerce applications.

The practical applications are compelling. Imagine dropping a shopping list into an AI browser before Black Friday, letting it scour the internet for an hour, and returning to find all items ready for purchase in your browser extension. This represents a fundamental shift from traditional e-commerce, promising higher conversion rates for merchants and dramatically reduced friction for consumers.

Key Points:

The Rise of Agentic Commerce

The presentation opened with a bold prediction: while 2025 has been "the year of the agent," 2026 will mark the emergence of agentic commerce as a dominant force. This isn't mere speculation—it's backed by concrete data from the most recent shopping season. The $60 billion in AI-assisted commerce during Black Friday and Cyber Monday represents just the beginning of a massive transformation in how consumers interact with online retailers.

Currently, merchants face a difficult strategic decision about how to integrate AI into their operations. They can go all-in on chat-based interfaces, but Latinum proposes a third option: purpose-built infrastructure that positions merchants to capture value regardless of which AI platforms ultimately win consumer attention. This merchant-first approach acknowledges that retailers need solutions that work across the fragmented landscape of AI assistants and platforms.

The x402 Payment Protocol and Stablecoins

Central to Latinum's infrastructure is its integration of the x402 payment protocol with stablecoins. The x402 protocol represents an elegant solution for machine-to-machine payments—a simple code that attaches to any API endpoint and returns a payment-required status code when accessed.

However, Regan identified a critical limitation in the existing x402 specification: it lacks the concept of multiple items or shopping baskets. For e-commerce to truly function at scale, agents need to handle complex transactions involving numerous products. Latinum has proposed this addition to the specification, demonstrating the company's commitment to building the foundational standards needed for agentic commerce. The use of stablecoins provides the programmable, borderless payment mechanism that AI agents require to operate efficiently.

Multi-Platform Deployment Architecture

One of Latinum's key differentiators is its flexible deployment layer. Rather than forcing merchants to choose a single platform, the infrastructure enables agents to render across whatever platform customers prefer. This includes major messaging apps like WhatsApp and Telegram, merchant-owned websites, and even integration with ChatGPT's app ecosystem.

This approach recognizes a fundamental truth about the current AI landscape: consumers are fragmented across multiple platforms and assistants. By providing infrastructure that works everywhere, Latinum ensures merchants can reach customers regardless of their preferred AI interface. The browser extension component captures transactions at the point of decision, creating a unified commerce layer across the entire AI ecosystem.

Practical Use Cases and Consumer Benefits

The demonstration showed an AI browser purchasing water—a simple example that illustrates profound possibilities. The more compelling scenario involves complex shopping events like Black Friday, where consumers might have dozens of items to purchase across multiple retailers.

In the traditional model, this requires hours of tab-switching, price comparison, and manual checkout processes. With Latinum's infrastructure, consumers can simply provide a shopping list to an AI agent, which then autonomously searches for the best deals, adds items to a unified basket in the browser extension, and presents everything for final approval. This fundamentally changes the consumer experience from active searching to passive curation.

Facts + Figures

• Over $60 billion in commerce was AI-assisted during Black Friday and Cyber Monday 2024
• Latinum predicts 2026 will be "the year of agentic commerce"
• The platform supports deployment across WhatsApp, Telegram, merchant sites, and ChatGPT
• Latinum uses the x402 payment protocol combined with stablecoins for checkout
• The team has proposed additions to the x402 specification to support multiple items and shopping baskets
• Transactions are captured at the browser extension level using x402 bits
• The company is opening a funding round in early 2025

Top quotes

• "Unless you've been hiding under a rock this year, I think you can all agree that 2025 has been the year of the agent. We firmly believe that 2026 will be the year of agentic commerce."

• "During Black Friday and Cyber Monday sales two weeks ago, over 60 billion of commerce was AI-assisted, and that's only going to grow rapidly next year."

• "x402 lacks the concept of multiple items or a basket, which is needed for e-commerce. So we proposed that addition in the recent specification upgrade."

• "For merchants, it drives higher conversion. For consumers, it reduces the need to scroll through endless tabs to find those night trainers you found two weeks ago."

Questions Answered

What is Latinum.ai and what problem does it solve?

Latinum.ai is merchant-first infrastructure designed for agent-to-commerce transactions. It solves the problem of how merchants can effectively position themselves for a future where AI agents increasingly conduct purchasing decisions on behalf of consumers. Rather than forcing merchants to choose between different AI platforms or chat interfaces, Latinum provides a unified infrastructure layer that deploys across multiple platforms including WhatsApp, Telegram, merchant websites, and ChatGPT. This ensures merchants can reach customers wherever they interact with AI assistants.

How does the x402 payment protocol work with Latinum?

The x402 payment protocol is a simple mechanism that attaches to any API endpoint and returns a payment-required status code when accessed. This allows AI agents to understand when payment is needed and automatically process transactions using stablecoins. Latinum has identified that the existing x402 specification doesn't support multiple items or shopping baskets—features essential for e-commerce—and has proposed additions to address this limitation. The protocol enables seamless machine-to-machine payments that are critical for autonomous agent commerce.

Why should merchants care about agentic commerce?

The data speaks for itself: over $60 billion in commerce was AI-assisted during the 2024 Black Friday and Cyber Monday period, and this figure is expected to grow rapidly. Merchants who fail to prepare for agent-to-commerce transactions risk being invisible to a growing segment of purchasing activity. Latinum's infrastructure promises higher conversion rates by meeting customers on the platforms they already use and enabling frictionless transactions. Early adoption of this technology could provide significant competitive advantages as agentic commerce becomes mainstream.

How does Latinum improve the shopping experience for consumers?

Latinum fundamentally changes shopping from an active, time-consuming task to a passive, curated experience. Instead of spending hours scrolling through tabs and comparing prices, consumers can provide a shopping list to an AI agent that autonomously searches the internet for the best deals. All items are collected in a browser extension basket for final review and approval. This eliminates the frustration of losing track of products found earlier and dramatically reduces the cognitive load of complex shopping tasks like Black Friday deal hunting.

What platforms does Latinum support for deployment?

Latinum's deployment layer supports multiple platforms where customers already spend their time. This includes major messaging applications like WhatsApp and Telegram, merchant-owned websites and storefronts, and integration with the ChatGPT app ecosystem. The browser extension serves as a unifying layer that captures transactions regardless of which platform initiated them. This multi-platform approach ensures that merchants using Latinum can reach customers across the entire fragmented AI assistant landscape without needing separate integrations for each platform.