- AP2 enables AI agents to shop and transact on behalf of users.
- Major financial providers and crypto platforms back the protocol.
- Transactions remain secure, traceable, and interoperable across systems.
Google pushes the boundaries of AI commerce with its new Agent Payments Protocol (AP2), designed to let AI agents shop and transact on behalf of users. The open protocol, supported by over 60 merchants and financial institutions, aims to create a secure, interoperable framework for AI-driven purchases.
A New Era for AI Shopping Agents
AP2 is built for a future where AI agents handle complex shopping tasks, from bundling vacation packages to sourcing time-sensitive offers. Users can set an “intent mandate” — instructions that guide the AI in finding the right products — and a “cart mandate,” which approves purchases once items are selected. For fully automated transactions, detailed intent mandates can allow AI agents to make purchases independently, while still maintaining an auditable trail to prevent fraud.
This approach not only streamlines shopping but also opens the door for dynamic, real-time interactions between AI agents and vendors. Google envisions scenarios where agents negotiate with retailers, airlines, and hotels simultaneously, all within user-specified budgets and timelines.
Broad Support from Financial and Tech Leaders
AP2 has already secured backing from major payment providers such as Mastercard, American Express, and PayPal, giving the protocol a strong foothold in financial systems. Collaborations with cryptocurrency platforms, including Coinbase, Metamask, and the Ethereum Foundation, also allow AI agents to make purchases using crypto wallets, expanding the protocol’s versatility.
Other tech companies, including Perplexity and Stripe, are exploring agentic purchasing, but Google’s AP2 stands out for its comprehensive, open approach. By publishing the full specification on GitHub, Google encourages developers, merchants, and financial institutions to collaborate and build an interoperable AI commerce ecosystem.
Also Read: Google Sued by Penske Media Over AI Summaries Threatening Publisher Revenue
Implications for the Future of Shopping
AP2 represents a critical step toward mainstream AI-driven commerce, enabling faster, more flexible, and auditable transactions. If widely adopted, it could redefine how consumers interact with digital marketplaces, reducing friction while maintaining transparency and security.
Disclaimer: The information in this article is for general purposes only and does not constitute financial advice. The author’s views are personal and may not reflect the views of CoinBrief.io. Before making any investment decisions, you should always conduct your own research. Coin Brief is not responsible for any financial losses.
