AP2
Properties
created
03.04.2026, 12:00
modified
01.08.2026, 11:16
published
Empty
topics
Agent Payment, Payment Protocol
authors
Jakub
ai-assisted
Yes
- Open protocol for securely initiating and transacting agent-led payments across platforms
- Developed by Google Cloud; announced September 2025 in collaboration with 60+ organizations
- Payment-agnostic: supports credit/debit cards, stablecoins, and real-time bank transfers
- Can extend A2A and MCP
- Github:
google-agentic-commerce/AP2
- 2.9k stars
# Problems It Solves
- Agent-initiated payments lack a common trust framework — merchants cannot verify that a purchase truly reflects user intent
- No standard mechanism for users to delegate spending authority to agents in a bounded, auditable way
- Fragmented payment integrations across AI platforms and merchants
# Design Principles
- Authorization — proves users explicitly granted agents specific purchase authority
- Authenticity — allows merchants to verify agent requests reflect the user’s genuine intent
- Accountability — provides mechanisms to resolve fraudulent or incorrect transactions
# Key Features
- Payment-agnostic — single protocol spanning fiat (cards, bank transfers) and crypto (stablecoins)
- A2A × x402 extension — production-ready crypto payment extension developed with Coinbase, Ethereum Foundation, and MetaMask
- Extensible — designed to layer on top of A2A and MCP stacks
- Enterprise-grade — built with 60+ industry partners including Mastercard, PayPal, Adyen, Revolut, Salesforce, and Worldpay