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Well-known payments expert Richard Crone, someone I always pay attention to, wrote recently that the real value of a digital wallet lies not in its ability to manage payments but as as platform “leveraging verified federated identity”, with which I could not agree more, and that such a platform will uses AI to deliver new services. I. Might even go further and says that digital wallets will be used by bots more than by people because most payments are boring and people shouldn’t have to deal with them at all.