Google has introduced the Agent Payments Protocol (AP2) — a new standard that enables artificial intelligence agents to carry out payments autonomously. With this system, digital assistants will be able to use not only traditional bank cards and transfers but also stable cryptocurrencies (stablecoins).

What is AP2

AP2 is designed as a universal framework for handling finance in the digital era. The protocol connects different payment channels, from blockchain networks to traditional systems. A key feature is the use of cryptographically secured instructions called Mandates, which delegate specific permissions to agents and ensure both security and transparency of every transaction.

Partners and industry support

From the outset, Google positioned AP2 as an open initiative. Dozens of major players are already on board, including Coinbase, Ethereum Foundation, Mastercard, PayPal, Revolut, and UnionPay. Such broad cooperation is expected to make AP2 scalable and accelerate its adoption in real-world applications.

Why it matters

The protocol opens up a range of opportunities:

Smart shopping — agents can monitor product availability and complete purchases automatically.

Travel and services — booking flights and hotels without human involvement.

Business processes — handling recurring payments for subscriptions or services.

This approach makes financial operations genuinely autonomous and highly efficient.

Looking ahead

The launch of AP2 marks an important step toward integrating artificial intelligence and cryptocurrencies into everyday life. If the project gains traction, it could reshape how we interact with digital money — from personal purchases to corporate transactions.

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