1. Internet-Native Payments, x402, and the Need for an Intelligence Layer

You need to understand this first

1.1 Fragmented Decision-Making

• Disconnected tools

• Unstructured signals

• Reactive execution

1.2 Human Behavioral Risk

• Panic selling

• Overtrading

• Lack of execution discipline

1.3 No Incentive Alignment

• No reward for good behavior

• Systems profit from volume, not outcomes

Most solutions attempt to predict the market. FNB Global focuses on protecting behavior and structure, not predicting price.