The Agentic Commerce Map
As empresas e a infraestrutura construindo a economia de agentes, mapeadas com as camadas que todo mundo omite: trilhos de dinheiro real (Pix, boleto, cartões), fiscal (NF-e) e um mandato neutro. Quase nenhuma é da América Latina.
Atualizado jul 2026 · codespar.dev
User Interfaces
10Where humans hand intent to agents. In LatAm the surface is WhatsApp: a commerce rail, not just chat.
AI Platforms
9The frontier models doing the reasoning behind every capable agent.
Open Source Models
7Self-hostable models for cost control and data sovereignty.
Agent Harnesses
14The agents themselves: software that plans and acts across web and apps without step-by-step supervision.
Frameworks & Tooling
22Developer infrastructure to build, deploy and connect agents: SDKs, IDEs, orchestration, tool-calling.
Agent Networks
8Coordination layers where agents discover each other, transact and form economies.
Standards & Protocols
10The specs the stack converges on: payments (x402, ACP, AP2, MPP), plumbing (MCP, A2A, UCP), identity (ERC-8004).
Identity & Trust / KYA
17Who is the agent, who does it represent, can it spend. Know Your Agent is the new KYC.
Wallets & Tooling
13Key management built for agents: spend policies, delegated access, autonomous signing.
Agent Payments
9Agent-native money movement, the fastest-moving slice of the map.
Payment Processors / Networks
11Incumbent processors and card networks shipping agentic products. Card-first and US-first today.
Payment Infrastructure
13The rails and plumbing processors build on. CodeSpar sits here: signed mandates and verifiable receipts over real LatAm rails (Pix, boleto, card, USDC).
Card Issuing for Agents
13Scoped, single-use, policy-bound virtual cards: how card rails reach agents today.
Checkout / Commerce
17Where the purchase completes: universal checkout, merchant enablement, and the platforms LatAm agents actually buy from.
Crypto Commerce
10Real goods and services paid with crypto-native payment protocols.
Stablecoins
7The programmable-dollar leg. Res 561 keeps it out of Brazil's cross-border settlement, so domestic money stays on Pix.
Blockchains
12The settlement layer, competing on sub-second finality, near-zero fees and x402/ERC-8004 support.
Hosting / Cloud / Compute
10Where agents physically run, from hyperscalers to decentralized compute.
Cross-border / FX
9Money in and out of LatAm. Res 561 (Oct 2026) closes stablecoin eFX; licensed local rails win.
Open Finance
5Pay-by-bank and account data. Open Finance makes the user's own bank an agent-reachable funding source.
Fiscal & Compliance
9The layer global maps omit: in LatAm a sale is not complete until the fiscal document exists (NF-e, CFDI).
Discovery
4How agents find endpoints, products and each other: x402 explorers and agent-native directories.