Today, we announced the launch of the Agent Payments Protocol (#AP2), an open and interoperable standard that will fundamentally change how we think about e-commerce. It's an extension of the #A2A and #MCP protocols, and it's designed to support everything from traditional credit cards to stablecoins.
For too long, the potential of AI agents in commerce has been limited by a simple fact: our payment systems were built for humans. #AP2 solves this "crisis of trust" by providing a secure and verifiable way for AI agents to transact on behalf of users. This protocol, developed in collaboration with over 60 industry leaders like Mastercard, PayPal, and Coinbase, establishes a common language for authorization, authenticity, and accountability in agent-led payments.
This is a huge step forward for developers, merchants, and consumers. It unlocks a future where AI agents can securely and seamlessly complete tasks, from booking travel to managing procurement.
Here is a quick #NotebookLM video that explain #AP2.
https://lnkd.in/gquCQeWX
So you know how AI agents are getting crazy smart, right? They can handle complex tasks, LAN multiple steps ahead, and basically act as our digital assistants. But there's this one giant thing they just can't do Buy stuff. Today, we're going to dig into a brand new open protocol that's built to fix exactly that. It gives our agents a secure way to actually transact online. Let's break down how it all works. Alright, here's the game part of it. First we'll unpack why agents can't pay for things right now. It all comes down to trust. Then we'll introduce the solution, the Agent Payments Protocol, or a P2. We'll look at the nuts and bolts, the actual language of trust, then see it all in action with a real transaction flow. And finally, the best part, how you can start building with it like today. OK, let's get right into it. What is the actual problem here? I mean, why can't that super smart agent you've been working on just go buy something? Look, you've probably spent countless hours building an awesome agent. It can browse, it can think, it can put together the perfect plan. But the second it needs to, you know, pull out a credit card, it just stops. Hits a total brick wall. And the reason why is actually pretty simple. Think about it. Our entire online payment system is built on one single assumption. That a human being is sitting there looking at a screen and physically clicking the buy now button. When you swap that human out for an autonomous AI agent, well, the whole model just falls apart. It creates this massive crisis of trust. And this crisis of trust really boils down to three huge questions that today's systems have absolutely no answer for. First up, authorization. How does it merchant really know you gave your agent the green light for that specific purchase? Second, authenticity. How can they be sure that what the agent is asking for is what? You actually want and not some weird AI hallucination. And the big one? Accountability. If something goes wrong, who's on the hook? Is it you, the developer who made the agent? The merchant? Without good answers here, commerce just grinds to a halt. So this is where the Agent Payments Protocol, or AP 2 steps in. It's designed from the ground up to solve this exact mess by creating a common language that can rebuild that broken trust. So what exactly is it? At its core, a P2 is an open, interoperable. Protocol that gives us a secure framework for AI driven commerce. Now for you developers out there, this is the key part. You don't have to throw out your current stack. A2 is designed to be an optional extension for protocols you might already know and use, like A to A and MCP. It's not a replacement, it's an upgrade. OK, so a P2 is built on a few core principles. You know, it's open, it's all about user control and privacy, the standard good stuff. But this next one, this is the real game changer, especially if you're working with AI. It's called verifiable intent, not inferred action. What that means is we can't build a payment system on the guests of an LLM. It's probabilistic output is just way too risky for commerce. A transaction needs something rock solid. It has to be anchored to deterministic cryptographic proof of. The user actually wanted this single idea directly attacks that problem of AI hallucinations and gives us a clear audit trail for accountability. Alright, that all sounds great in theory, but how does a 2 actually bake that trust into the code? Let's pop the hood and look at the building blocks you'll actually be using. The absolute core of this whole thing is something called Verifiable Credentials, or VCs. Now don't let the name intimidate you. For our purposes, just think of them as secure little digital envelopes. They're basically data payloads that are cryptographically signed, which makes them completely tamper proof. These VCs are the language of trust we were talking about. And within this language there are three main words you need to know, which the protocol calls mandates. First is the intent mandate. This is for when your user isn't around. It's like leaving instructions. Hey agent, go buy me these sneakers, but only if they're under 100 bucks and from this brand you're setting the parameters. Second is the cart mandate. This is for when the user is right there. The agent has built a cart, and the user says, Yep, that's the one, buy it. It's explicit final approval for a specific cart. And last, there's the payment mandate. This one, simple, it's just a little flag that tells the payment network, hey, just so you know, an AI agent was part of this transaction. O yeah as a developer this is the main thing you got to get straight. The intent mandate is for when the agent is flying solo working off a set of rules. The card mandate is for when the user is in the copilot seat and gives the final thumbs. U1 is for autonomous tasks, the other is for real time user approved buys. Knowing which one to use when is pretty much the key to the whole thing. OK, so we've got the pieces. Let's put them together and see what a real transaction actually looks like from start to finish. Whoa. OK, I know this diagram looks a little busy at first glance, but don't worry, it's really just showing the main characters in this story. You've got your shopping agent talking to the merchant, A credentials provider acting as a verifier, and the payment network. The big idea here is that AP2 changes this whole flow from just firing off random API calls to what the spec calls a contractual conversation. Let's walk through a simple version of that. All right, so let's take that human present flow. Step one. Your agent chats with the merchant and builds a cart. Step 2. And this is super important. The merchant cryptographically signs that cart. They are locking in the price and the items. Step 3 is the magic moment that locked in card gets shown to the user and their device cryptographically signs the cart and payment mandates That right there. That's the non repudiable proof of intent. That's the thing that solves the trust problem. It proves authorization and authenticity. Period. Finally, those sign mandates get sent off to make the payment, leaving a perfect cryptographic trail for accountability. See how it all connects. O what you end U with is this incredibly powerful and secure foundation for aging commerce. But you know what the best part is? This isn't some black box from a big corporation. It's being built completely in the open and you can get involved right now. Yeah, this is not a proprietary standard that you're just forced to adopt. It's the opposite. It's an open invitation. The creators are literally asking the developer community, that's you to jump in, kick the tires, and help build this thing for the future. So where do you start? It's easy. Head over to the public GitHub repo. You can dig into the full technical spec right there. You can pull down the code samples an get them running on your own machine. Play around with the different roles and if you find something or have an idea, contribute, Open an issue, submit a PR, it's all out there. Look, for the first time, we have a real secure and open path for our AI agents to actually participate in the digital economy. This is a foundational piece of the puzzle for what comes next in AI. So really the big question isn't if this is going to change how we build things, but how. So I'll leave you with this. Now that agents can finally pay, what are you going to build?
Amazing to see the evolution of Agents - helping us imagine new ways of completing tasks/workflows & long running tasks. We are at an inflection point for critical business tasks using this architecture. Thanks for sharing!
Lost me at Coinbase and stablecoins. In favor, out of favor…crypto is a grift, and blockchain technology is a set of false technical claims we designed to support the grift (which in my view was the greater sin). We all know it…unless we’re getting paid a ton, as I used to be, to ignore the fundamentals of distributed systems.
This is fantastic Saurabh Tiwary! It’s value to small businesses and complement to Google Ads creates huge potential for customers + services companies.
Hey there! Exciting news about the Agent Payments Protocol (#AP2) launch – sounds like a game-changer for AI in e-commerce! I'll check out the #NotebookLM video to learn more.
Agentic Payments need governance and hence we have #AP2 now. 3As are critical to the success:
#1 Authorization: Proving that a user gave an agent the specific authority to make a particular purchase.
#2 Authenticity: Enabling a merchant to be sure that an agent's request accurately reflects the user's true intent.
#3 Accountability: Determining accountability if a fraudulent or incorrect transaction occurs.
#agenticai#googlecloud
Today, we announced the launch of the Agent Payments Protocol (#AP2), an open and interoperable standard that will fundamentally change how we think about e-commerce. It's an extension of the #A2A and #MCP protocols, and it's designed to support everything from traditional credit cards to stablecoins.
For too long, the potential of AI agents in commerce has been limited by a simple fact: our payment systems were built for humans. #AP2 solves this "crisis of trust" by providing a secure and verifiable way for AI agents to transact on behalf of users. This protocol, developed in collaboration with over 60 industry leaders like Mastercard, PayPal, and Coinbase, establishes a common language for authorization, authenticity, and accountability in agent-led payments.
This is a huge step forward for developers, merchants, and consumers. It unlocks a future where AI agents can securely and seamlessly complete tasks, from booking travel to managing procurement.
Here is a quick #NotebookLM video that explain #AP2.
https://lnkd.in/gquCQeWX
Great to see this next step on applying Agents to key areas of Financial Services such as Payments. More than 60 launch partners ready to innovate with this protocol including American Express:
“With the rise of AI-driven commerce, trust and accountability are more important than ever. American Express is excited to contribute to the creation of AP2 as a protocol intended to protect customers and enable participation in the next generation of digital payments.” - Luke Gebb, EVP, Amex Digital Labs, American Express
To learn more: https://lnkd.in/eisdw5tn
Today, we announced the launch of the Agent Payments Protocol (#AP2), an open and interoperable standard that will fundamentally change how we think about e-commerce. It's an extension of the #A2A and #MCP protocols, and it's designed to support everything from traditional credit cards to stablecoins.
For too long, the potential of AI agents in commerce has been limited by a simple fact: our payment systems were built for humans. #AP2 solves this "crisis of trust" by providing a secure and verifiable way for AI agents to transact on behalf of users. This protocol, developed in collaboration with over 60 industry leaders like Mastercard, PayPal, and Coinbase, establishes a common language for authorization, authenticity, and accountability in agent-led payments.
This is a huge step forward for developers, merchants, and consumers. It unlocks a future where AI agents can securely and seamlessly complete tasks, from booking travel to managing procurement.
Here is a quick #NotebookLM video that explain #AP2.
https://lnkd.in/gquCQeWX
The key trend to watch here isn't the release of another protocol, but the infrastructure being built to support AI agents. They need a world built for them. With the release of these building blocks, new use-cases and markets become (more easily) accessible. It’s similar to how PayPal, by providing payments on the internet, empowered the e-commerce market.
Today, we announced the launch of the Agent Payments Protocol (#AP2), an open and interoperable standard that will fundamentally change how we think about e-commerce. It's an extension of the #A2A and #MCP protocols, and it's designed to support everything from traditional credit cards to stablecoins.
For too long, the potential of AI agents in commerce has been limited by a simple fact: our payment systems were built for humans. #AP2 solves this "crisis of trust" by providing a secure and verifiable way for AI agents to transact on behalf of users. This protocol, developed in collaboration with over 60 industry leaders like Mastercard, PayPal, and Coinbase, establishes a common language for authorization, authenticity, and accountability in agent-led payments.
This is a huge step forward for developers, merchants, and consumers. It unlocks a future where AI agents can securely and seamlessly complete tasks, from booking travel to managing procurement.
Here is a quick #NotebookLM video that explain #AP2.
https://lnkd.in/gquCQeWX
Over the past few months I have been asked on multiple occasions, what is Googles approach for agent to agent transactions.
My response is it’s a reality and you need to plan for it as it’s going to be disruptive and in some instances an uncomfortable transition, that will require a change in approach.
This is a great explainer of Googles approach and what to consider. Well worth the short read.
Today, we announced the launch of the Agent Payments Protocol (#AP2), an open and interoperable standard that will fundamentally change how we think about e-commerce. It's an extension of the #A2A and #MCP protocols, and it's designed to support everything from traditional credit cards to stablecoins.
For too long, the potential of AI agents in commerce has been limited by a simple fact: our payment systems were built for humans. #AP2 solves this "crisis of trust" by providing a secure and verifiable way for AI agents to transact on behalf of users. This protocol, developed in collaboration with over 60 industry leaders like Mastercard, PayPal, and Coinbase, establishes a common language for authorization, authenticity, and accountability in agent-led payments.
This is a huge step forward for developers, merchants, and consumers. It unlocks a future where AI agents can securely and seamlessly complete tasks, from booking travel to managing procurement.
Here is a quick #NotebookLM video that explain #AP2.
https://lnkd.in/gquCQeWX
Fintech & Payments Innovator | Built $2B+ Digital Bank at Santander | Ex-Visa, Amex, Global Payment & Apple | Championing Open Banking, RTP & Global Partnerships
In today's daily dose of payments...
🌀 We’re entering a new era of commerce where your #AI doesn’t just assist. It acts. Nothing new that you do not know right?
🎯 Google just launched Agent Payments Protocol (AP2). It’s a new way for AI agents to shop and pay on behalf of users. Mind blowing just reading it!!!
Over 60 merchants and financial institutions are already supporting it, including Mastercard, AmEx, PayPal, Coinbase, and MetaMask.
👀 #AP2 is built to work across platforms. It keeps transactions traceable with two approvals: one to search and negotiate, and one to confirm the purchase. There’s also an option for fully automated buying, as long as the agent follows strict rules like price limits and timing.
➡️ The protocol includes support for crypto wallets using x402. That means agents can transact directly from Ethereum-based wallets with full auditability.
Stripe is also enabling agentic workflows. With Stripe Issuing, you can create single-use virtual cards for agents. You can approve or block transactions in real time, set budgets, and control spend. This makes it easier to embed financial services into automated flows.
🙌 For those of us in payments and product operations, this is a clear signal. Agentic commerce is moving fast. The challenge now is to build systems that are secure, flexible, and easy to audit without losing sight of user intent. I’ve worked across Visa, AmEx, Apple Pay, and Santander. I’ve seen how trust and transparency drive adoption. AP2 is a step in that direction.
🧾💳🔐
#Payments#EmbeddedFinance#AIagents#StripeIssuing#ProductOps#Fintech#GoogleAP2#RiskManagement#Interoperability#CryptoPayments#OperationalExcellence
🤖💵❌”Our entire global payments infrastructure is built for humans, not autonomous agents”.
🤖💵✅Today Agent Payments Protocol (AP2) was released by Google [1]. This will be an exciting new phase, as financial services make the payments rails accessible for Agents.
💁♂️🤖🏦 And is on top of the Agent (using MCP/A2A) interaction channel for customers, suppliers, partners, and 3rd parties (think FIDA [2]). That many financial services institutions are actively developing.
🤖✍️🧾AP2 is a universal open protocol, usable as an extension of #A2A and #MCP. And helps address the Authentication, Authenticity, and Accountability challenges of Agents.
🤝Developed with Adyen, American Express, Ant International, Coinbase, Etsy, Forter, Intuit, JCB, Mastercard, Mysten Labs, PayPal, Revolut, Salesforce, ServiceNow, UnionPay International, Worldpay, and more.
#AI#AgenticAI#Payments
Google AI Introduces Agent Payments Protocol (AP2): An Open Protocol for Interoperable AI Agent Checkout Across Merchants and Wallets.
Built on Verifiable Credentials (VCs), AP2 defines mandate types—Intent, Cart, and Payment Mandates—to eliminate ambiguity around authorization, authenticity, and accountability in autonomous and semi-autonomous checkout flows. The protocol extends Agent2Agent (A2A) and Model Context Protocol (MCP) to standardize how agents, merchants, and payment processors exchange verifiable evidence across the full intent → cart → payment pipeline. Already supported by 60+ organizations including American Express, Mastercard, PayPal, Coinbase, Worldpay, and Adyen, AP2 is payment-method agnostic, initially covering cards while adding support for real-time bank transfers and crypto via an A2A x402 extension.
https://lnkd.in/dTfVjA4f
Google and 60+ partners (Mastercard, PayPal, Amex, Coinbase, Ant, etc.) launched AP2: an open standard for AI agents to make payments with verifiable consent, audit trails and multi-rail interoperability.
If HTTP was the foundation of the web, AP2 may become the trust layer of agentic commerce.
Why it matters
• Frictionless CX: agents handle re-orders, subs, refunds invisibly.
• Efficiency: digital mandates streamline disputes & reconciliation.
• Scale: global payments revenue to reach $3.1T by 2028 (McKinsey).
Early use cases
1. Subscriptions & automated re-orders.
2. Corporate travel & T&E with policy limits.
3. Autonomous replenishment in e-commerce.
4. Agent-to-Agent (A2A) payments across cards, real-time rails & stablecoins.
Tech enablers
• Verifiable mandates (VCs) for consent.
• A2A + MCP for orchestration.
• Multi-rail support: cards, RTP (PIX/UPI/FedNow), stablecoins.
• Built-in KYC/AML, fraud, tokenization.
Markets with strongest potential
• Brazil (PIX): R$22.1T settled in 2024, >250M tx/day peak.
• India (UPI): 20B+ tx/month in 2025.
• US/EU: AP2 + RTP expansion + stablecoin clarity could unlock growth.
Market backdrop
• Global e-commerce to $6.4T in 2025.
• Payments revenue to $3.1T by 2028.
• Agents poised to become the “invisible end-user” of commerce.
Takeaway
AP2 could make agentic checkout auditable & scalable. Early adopters of mandates, audit trails, and limits will capture new revenue, margin and loyalty.
Sources: Google Cloud, VentureBeat, Axios, PayPal Dev, Coinbase Dev, Fintech Magazine, McKinsey, NPCI, BCB.
#Getnet#AgenticCommerce#AP2#Payments#RTP#PIX#UPI#Stablecoins#AI
What’s Agent Payment Protocol (AP2)?
Google just announced Agent Payment Protocol (AP2), an open framework built with 60+ partners (PayPal, Mastercard, Coinbase, Etsy, etc.) to let AI agents initiate purchases on your behalf, securely and with auditability.
Imagine this:
You ask an AI agent, “Book me a family trip to Hawaii in June. Keep it under $6K, and make sure I don’t miss board meetings.”
While you sleep, the agent checks your calendar, negotiates with airlines, bundles hotels and activities, and locks in a discount. By morning, you wake up to an itinerary and a receipt.
Here’s what AP2 adds:
Mandates: Cryptographically signed contracts (“intent” + “cart” mandates) that prove authorization for every purchase.
Payment flexibility: Cards, bank transfers, stablecoins, and even crypto rails.
Accountability: Audit trails and non-repudiable evidence to reduce fraud and disputes.
In short, AP2 enables agents to shop, negotiate, and purchase with your explicit permission.
What opportunities does this enable for your industry?
#EnterpriseAI#DigitalTransformation#FintechInnovation#AIIntegration#ExecutionMatters
🌍 The payment gateway industry is moving faster than ever.
This year alone, we’ve seen:
⚡ Global Payments acquiring Worldpay, signaling consolidation at the top.
🤖 AI-powered fraud detection and real-time rails redefining transaction security.
📱 Contactless + mobile wallets exploding — now 66% of all in-person transactions in North America.
🌏 Asia-Pacific + Latin America driving massive digital adoption, with real-time payments live in 99 countries.
Meanwhile, global giants like Stripe, PayPal, and Adyen are pushing boundaries with:
Crypto-ready integrations
AI-driven smart checkouts
Multi-currency global expansion
🚀 At ITIO Innovex, we don’t just follow these trends — we build for them.
Our white-label payment gateway solutions give businesses:
Scalability to handle growth without friction
Security with compliance at the core (PCI DSS, ISO, GDPR)
Flexibility to accept cards, wallets, crypto, and more
With ITIO Innovex, you can launch your own payment gateway fast, reduce operational drag, and expand into new markets with confidence.
The payments revolution isn’t coming — it’s already here. Question is: are you ready to lead it?
👉 Let’s talk about scaling your business with ITIO.
#Fintech#PaymentGateway#DigitalPayments#AI#Crypto#BusinessGrowth#ITIOInnovex
Go Lang · Security · GCP Cloud · DevOps · System Design · Distributed Architectures
2wWoww , the boundaries are expanding