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Google's AI Agent Payments Protocol (AP2)
- schwentkerr 1y agoGoogle launches AP2: an open payments protocol for AI agents Google just announced Agent Payments Protocol (AP2): standard meant to let AI agents securely transact across cards, bank transfers & even stablecoins. It uses cryptographically-signed “mandates” to prove intent & create an auditable trail from request → cart → payment. Apparently 60+ partners on board (Amex, PayPal, Mastercard, Coinbase, etc.). Google frames this as the foundation of “agentic commerce.” Is it possible that w/i 6 months an agent-to-agent transaction for a large sum will go wrong, exposing the accountability gaps AP2 is meant to solve? Is AP2 the missing trust layer for autonomous commerce, or just the start of a messy collision btw agents, payments standards & liability?
- mdunnoconnor 1y agoI can see this making personal budgeting more challenging, if you have many purchase mandates in-flight. Creating a budgeting system across manual and agentic systems is an open opportunity.
- dexterdog 1y agoWorse, what about when you have a mandate that can be filled multiple times when you only need it once?