Every major infrastructure player — Google, OpenAI, Visa, Mastercard, NVIDIA — is building infrastructure for AI agents to buy on behalf of humans. When that shift arrives, most businesses will be invisible to their new algorithmic customers.This white paper is the most comprehensive framework published to date on agent-mediated commerce. It answers the question no one else is asking: if AI agents are the buyers, who's optimizing for them?Inside: Three premises backed by protocol evidence. Five counterarguments addressed. Three testable hypotheses. A complete landscape map of UCP, ACP, AP2, and the emerging agent-commerce stack.Not trend-spotting. A framework. Read it before your competitors do.