Mural CEO predicts AI agents may initiate 5% of cross-border payments next year, with control ownership still unclear

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Mural co-founder and CEO Sinclair Toffa predicted that AI agents may initiate 5% of cross-border payment transactions next year. Toffa said the financial software involved needs to support dedicated accounts, granular permissions and transaction-by-transaction audit records; PYMNTS CEO Karen Webster, meanwhile, raised that trust and accountability remain unclear, with whether businesses can confidently authorize software to make payments independently still a key question.