The agentic-commerce field is fragmenting into card-network, platform, and crypto camps that all overlap. Compare AP2, the Agentic Commerce Protocol (Shared Payment Token), x402, Visa Trusted Agent Protocol, and Mastercard Agent Pay side by side across credential model, signing, scope, settlement rail, identity substrate, and audit trail — plus a field crosswalk and a scenario recommender. Produces a §4 routing_policy OpenChainGraph artifact.