0xJeff: B2A is the new M2V & M2M — x402's biggest blocker is the enterprise gap

0xJeff · x · 2026-11-11

0xJeff cites a16z's B2A (Business-to-Agent) framing as the next evolution of agentic payments, following the earlier M2V and M2M debate.

He splits agentic payments into two categories:

M2M (machine-to-machine): what x402 was designed for — open, permissionless, self-propagating, which cuts both ways. Since most agent tools (MCP/Skills) are free today, an agent would only pay for services that are highly differentiated (proprietary datasets, actionable signals). Nobody pays when a free tool is equally good.
M2V (machine-to-vendor): where the real money is — roughly 70-80% of global economic value is transacted between businesses. For x402 to scale meaningfully, it must crack the enterprise segment, which he calls the protocol's biggest blocker.

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