José Guilherme Costa
José Guilherme Costa (Zé) is the founder of Unlegacy, the context infrastructure for AI adoption in regulated institutions. While enterprises pour billions into AI that dies at the door of their legacy systems, Unlegacy builds the ontology that makes those systems legible: decades of code and undocumented decisions turned into navigable ground for AI agents. A third-time entrepreneur, Zé co-founded Pagô, an Iporanga-backed payment automation platform that surpassed R$ 5 billion in processed transactions. He has spent nearly a decade at the intersection of technology and banking.
Will Cash Disappear? What Happens When AI Starts Paying the Bills?
As AI continues to advance, digital agents are beginning to initiate and complete payments autonomously. The concept of agentic money marks a new stage in the evolution of financial transactions. Will cash disappear? This session explores how this transformation will impact security, payment infrastructure, and the consumer experience across the global payments ecosystem.