{"title":"The Calls · public predictions by Chris Wyatt","url":"https://chriswyatt.dev/calls","grading":"A call moves to Right or Wrong only when a public, citable source resolves it. Wrong calls stay on the board. No quiet edits, no quiet deletions.","counts":{"total":9,"open":9,"right":0,"wrong":0},"calls":[{"id":"one-human-one-agent","url":"https://chriswyatt.dev/calls#one-human-one-agent","date":"2026-05-11","call":"By 2030, the B2B AP function is one human and one agent. The agent runs settlement, the human handles exceptions.","status":"open","proof":"What would prove it: by 2030, the standard mid-market AP team is one person and one agent, with the agent running settlement end to end.","source":"https://chriswyatt.dev/thesis"},{"id":"orchestration-wins","url":"https://chriswyatt.dev/calls#orchestration-wins","date":"2026-05-11","call":"Orchestration wins. Single-rail middleware does not. The losers are any platform that stops at workflow and never reaches the rail.","status":"open","proof":"What would prove it: single-rail AP middleware loses share or exits while multi-rail orchestration platforms take the category.","source":"https://chriswyatt.dev/thesis"},{"id":"agent-initiation-gap","url":"https://chriswyatt.dev/calls#agent-initiation-gap","date":"2026-04-26","call":"AI agents can initiate the payment. The settlement layer still expects a person. That gap is about to become a payments infrastructure problem.","status":"open","proof":"What would prove it: a card network or regulator ships agent-native authorization credentials after the liability gap surfaces in a real dispute.","source":"https://chriswyatt.dev/insights/authorization-without-identity"},{"id":"agentic-settlement-begins","url":"https://chriswyatt.dev/calls#agentic-settlement-begins","date":"2026","call":"Card networks opening their rails to AI agents marks the start of agentic settlement. Most payments people missed it.","status":"open","proof":"What would prove it: agent-initiated transactions become a reported volume line at a major card network.","review":{"date":"2026-08-01","note":"Visa and Mastercard both talked agents all earnings call and reported no agent volume line. Still open, watching every quarter."},"source":"https://www.linkedin.com/feed/update/urn:li:activity:7463629939641180161"},{"id":"service-as-software","url":"https://chriswyatt.dev/calls#service-as-software","date":"2026-01-15","call":"Service-as-software replaces SaaS in the back office, payments first.","status":"open","proof":"What would prove it: back-office buyers pay for completed outcomes instead of seats, and payments flips before the rest of the stack.","review":{"date":"2026-08-01","note":"Customer service, not payments, is leading outcome pricing so far. The call is under pressure and still open."},"source":"https://chriswyatt.dev/reading/the-last-invoice"},{"id":"payments-margins","url":"https://chriswyatt.dev/calls#payments-margins","date":"2026","call":"AI won't earn software margins. It will earn payments margins.","status":"open","proof":"What would prove it: AI-native back-office companies monetize on basis points of payment flow, not license fees.","source":"https://www.linkedin.com/feed/update/urn:li:activity:7444465245374304256"},{"id":"wrong-control-point","url":"https://chriswyatt.dev/calls#wrong-control-point","date":"2026","call":"Every AP vendor is betting on the wrong control point. Invoice processing is not the bottleneck.","status":"open","proof":"What would prove it: invoice-automation pricing compresses while platforms that own payment execution hold theirs.","source":"https://www.linkedin.com/feed/update/urn:li:activity:7443336495593193472"},{"id":"capacity-gap","url":"https://chriswyatt.dev/calls#capacity-gap","date":"2026-04-30","call":"Access to AI has been democratized. The capacity to wield it has not. And the gap is widening faster than any technology gap in human history.","status":"open","proof":"What would prove it: the productivity spread between heavy-AI operators and everyone else keeps widening in the data instead of converging.","source":"https://www.linkedin.com/feed/update/urn:li:activity:7455641265859239936"},{"id":"payment-layer-monopoly","url":"https://chriswyatt.dev/calls#payment-layer-monopoly","date":"2026","call":"The next internet monopoly will start at the payment layer.","status":"open","proof":"What would prove it: a company that owns the payment layer for agent commerce compounds into monopoly-scale share.","source":"https://www.linkedin.com/feed/update/urn:li:activity:7464438498188574723"}]}