According to Dragonfly’s Haseeb, payments that allow crypto to act independently are on the horizon, but still several years off. He believes the crypto industry might be rushing its predicted timelines for this technology.
Dragonfly Managing Partner Haseeb Qureshi is pumping the brakes on agentic payments hype.
He shared his thoughts in response to a Forbes reporter’s piece on crypto and the agentic economy.
The article included insights from various cryptocurrency leaders and payments professionals. Haseeb offered the most pessimistic viewpoint presented, and he elaborated on his reasoning in a detailed post on X.
Why Agentic Payments in Crypto Are Not Ready Yet
Haseeb used a historical example to illustrate his idea, referencing the first computer mouse which was created in 1964.
Although it showed great potential, it took a long time for this technology to become widely used. He believes that artificial intelligence agents are currently at a similar, early point in their development.
He recognized the buzz surrounding tools like OpenClaw, but he was clear about the fact that it’s still under development.
Haseeb says OpenClaw isn’t good for managing money because it’s full of bugs, difficult to use, and often makes bad financial choices.
He explained that the main problem is that today’s AI models struggle with tasks they weren’t specifically trained for. This difference between what they know and what’s asked of them is what causes things to go wrong.
The underlying technology simply has not caught up to the vision yet.
Read also: Solana Now Supports MPP for AI Agent Payments
What It Will Take for Agents to Handle Payments Reliably
As a researcher, I found Haseeb’s point about reinforcement learning particularly insightful. It seems the key to unlocking OpenClaw’s potential might be training AI models directly on its interaction data – something no major AI lab has tackled yet, as far as I know.
He also pointed out that leading research labs now have plenty of data available. As they start using this data to train their systems, performance is expected to increase significantly.
He expects a next-generation model release within months.
He predicted this change would signal the end of the initial experimentation stage. Once this happens, we’d expect to see more mainstream users start to adopt the technology. However, he emphasized that widespread adoption by the majority of people is still several years off, based on our research.
Volume data backs up his position.
Haseeb mentioned that x402 is currently processing around one million dollars worth of transactions each day. The MPP protocol is handling even fewer. He used this information to illustrate that payments using agent technology are still largely being tested and refined.
We’re likely to see a big shift towards ‘agentic payments’ in the future, but the technology isn’t quite ready yet. I offered a cautious perspective in a recent article, and I want to share my reasoning. The crypto world often gets carried away with its own potential and sets overly optimistic deadlines for new technologies.
Take the mouse. This is what…
— Haseeb ＞|＜ (@hosseeb)
Crypto’s Long-Term Bet on the Agentic Economy
Haseeb did not dismiss the long-term case.
He was firm that agents will eventually reshape how money moves globally.
He explained that the growth pattern is typical for new technologies. First, a small group of innovators try it out, followed by a larger group of people who are usually among the first to adopt new things, and finally, the rest of the population.
To wrap up my analysis, I was reminded of a point Chris Dixon made about emerging technologies. Essentially, what people are tinkering with in their free time – evenings and weekends – often becomes widely adopted and mainstream within about ten years. It’s a useful framework for understanding how quickly things can change.
Haseeb sees agentic payments fitting that pattern exactly.
He cautioned that the crypto world often overestimates how quickly things will happen, advising the industry to be realistic. He believes the underlying technology is solid and the overall path forward is correct.
But getting there will take patience, not hype.
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2026-03-26 12:39