The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead

About this episode

The episode discusses the evolution of tokenization in the payments industry and its potential to enable agentic payments.

The payments industry spent years turning tokenization into a business tool for lock-in. So what does it mean that the same technology might now hold the key to making agentic payments actually work? Reggie Young sits down with Basis Theory’s Co-founder and CEO, Colin Luce, and CTO, James Armstead — the team behind the programmable token vault platform that has quietly become central to the agentic payments conversation. Colin and James break down what tokenization really is, how it was co-op...

People in this episode

Host: Reggie Young

Guests: Colin Luce, James Armstead

Topics covered

• payments
• tokenization
• agentic payments
• technology
• financial services

Keywords

• tokenization
• payments
• agentic payments
• Basis Theory
• programmable token vault

Mentioned in this episode

Organizations: Basis Theory

More episodes of Fintech Layer Cake

• Escheatment Primer + Innovation with Aisen CEO Allen Osgood · May 28, 2026 · 27 min
• Why Credit Cards Are Hard with Scott Bass from Ensemblex · May 14, 2026 · 19 min
• Building the Modern Tax Engine with Gavin Nachbar, Column Tax co-founder and Aiwyn CPO · April 16, 2026 · 24 min
• Simon Taylor on Where Agentic Spend is Going · April 2, 2026 · 26 min
• A Primer on US Fintech Expansion with Klaros' Andy Kampf · March 12, 2026 · 23 min
• Middesk CEO Kyle Mack on AI, Good Data, and Business Onboarding in 2026 · February 24, 2026 · 35 min