# Ujwal Chaudhari

> Lead Product Manager at Visa working on AI Agents and Agentic Commerce. A decade inside the infrastructure behind money — EY, Atlan, now Visa. Writing about where agentic commerce is heading and shipping small tools to test the ideas.

Personal site of Ujwal Chaudhari. The primary interactive version lives at <https://unujwal.com/>. A machine-readable markdown mirror of the homepage is at <https://unujwal.com/index.md>. Browser-based agents can call structured tools via WebMCP (`navigator.modelContext`) exposed on the homepage: `getBio`, `listWriting`, `listProjects`, `listExperience`, `getContact`, `navigateTo`.

## Writing

- [Ads won't save Consumer AI, Agentic commerce will.](https://unujwal.substack.com/p/ads-wont-save-consumer-ai-agentic): Essay (2026) on why the attention-economy playbook doesn't port to consumer AI, and how agentic commerce becomes the business model.
- [The Infrastructure Problem of Agentic Commerce — Ownership? 404](https://unujwal.substack.com/p/the-infrastructure-problem-of-agentic): Essay (2026). Part 4 of a 4-part series on Answer Engine Optimization for commerce (discovery, evaluation, curation, ownership).
- [The Curation Problem — Some Products Should Never See an Agent](https://open.substack.com/pub/unujwal/p/the-curation-problem-some-products): Essay (2026) on which product categories belong in agent-mediated purchase flows and which don't.
- [The Evaluation Problem — Weighted Composite Scoring](https://substack.com/@unujwal/note/p-186822761): Note (2026) on how agents should rank merchant options using weighted composite scoring.
- [The Future of Credit Card Rewards](https://unujwal.substack.com/p/the-future-of-credit-card-rewards): Essay (Jan 2025) analyzing how credit-card reward systems are evolving.

## Projects

- [Is It Worth It?](https://worthit.unujwal.com/): Web tool for evaluating whether a big purchase is worth it.
- [Stripe Pricing Calculator](https://stripepricingcalc.unujwal.com/): Calculate and compare Stripe pricing options across plans and volumes.
- [ShopCC](https://shopcc.club/): Creator commerce agent for influencers — content becomes shoppable, agent-driven storefronts.

## Experience

- Visa — Lead Product Manager, AI Agents & Agentic Commerce (2022 — present). Shipping agent-initiated payments for 1B+ cardholders and 10M+ merchants.
- Atlan — Product Manager (2019 — 2020). Series B data-infrastructure startup; shipped alongside engineers.
- EY — Fintech frameworks (2016 — 2018). Frameworks touching 1B+ people and 10M+ businesses.

## Socials

- [Substack](https://substack.com/@unujwal): Long-form writing on payments, agentic commerce, and product.
- [X (@unujwal)](https://x.com/unujwal): Short-form notes and threads.
- [LinkedIn](https://www.linkedin.com/in/unujwal): Professional profile and roles.

## Optional

- [Homepage (HTML)](https://unujwal.com/): Interactive version with an animated agent-commerce terminal demo.
- [Homepage (Markdown mirror)](https://unujwal.com/index.md): Same content, machine-readable.
- [Authentication metadata](https://unujwal.com/auth.md): Site auth/identity metadata.
- [Sitemap](https://unujwal.com/sitemap.xml): XML sitemap.
- [Agent skills index](https://unujwal.com/.well-known/agent-skills/index.json): Skills catalog for agents.
- [API catalog](https://unujwal.com/.well-known/api-catalog): Linkset catalog of site APIs.