A IA é um "esquema de pirâmide" para os meios de pagamento?
Todo mundo que começa a explorar as ferramentas de Inteligência Artificial acaba esbarrando na mesma ideia: "vou abrir uma loja virtual" ou "vou criar um SaaS". A IA derrubou as barreiras técnicas. Hoje, qualquer pessoa consegue gerar a marca, o site e o código de um e-commerce em minutos. Mas quem realmente está ganhando a "Corrida do Ouro" da IA? Na corrida do ouro americana, quem ficou rico…
The idea that anyone starting to explore Artificial Intelligence tools ends up wanting to open a virtual store or create a SaaS seems to be universal. AI has eliminated the technical barriers, allowing anyone to generate a brand, website and e-commerce code in minutes. However, the real question is: who is really benefiting from the AI "Gold Rush"?
In the American gold rush, it wasn't the miners who got rich, but rather those who sold shovels and pickaxes. In today's scenario, the shovels and pickaxes are the Payment Methods (Stripe, Mercado Pago, PayPal). They don't need the e-commerce platform to be a unicorn. For payment infrastructure, it doesn't matter if your AI project generates millions or fails in two months.
Their business model profits from volume. AI has flooded the internet with new projects, and they all end up at the same bottleneck: the checkout. Even the giants (OpenAI, Midjourney) pay a toll for this infrastructure to process subscriptions. The AI revolution is real, but the biggest silent beneficiaries are the owners of the asphalt through which all the money of the internet must pass. Where do you fit in this gold rush?
Written by urgent.news from Dev.to's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.