Pay by Bank is now introducing chargebacks, prompting a significant shift in the fintech landscape as companies like Visa seek to establish themselves as trust anchors in AI-driven finance. The article explores the implications of this development, emphasizing the need for secure consumer protections and the potential of open finance to create a robust authentication layer as AI agents become more integrated into financial operations. The future landscape will likely see partnerships among various players, including card networks, banks, and tech companies, in the race to dominate the trust anchor space.