The AI-agent payment stack just got real. Three things happened this week. Fireblocks has banks on track for 2026. Custody infrastructure is maturing. X402 is gaining traction. It's becoming the standard for agent-to-agent payments. And Schwab's BTC and ETH trading is now live. 38 million retail clients can access it directly. These aren't separate stories. They're three layers of the same infrastructure being built at the same time. Custody, payments, access. All advancing together. The agents are coming. The rails are almost ready. The question isn't whether AI agents will move money. They will. The question is whether those rails run through sound money or legacy systems.