Google Becomes Latest in Agentic AI Stablecoin Payments Race
On Tuesday, Google introduced the Agent Payments Protocol (AP2), which it described as an “open protocol developed with main funds and know-how firms.”
The protocol is designed to allow AI brokers to ship and obtain funds to one another, supporting completely different cost varieties equivalent to credit score and debit playing cards, stablecoins, and real-time financial institution transfers.
“We’re collaborating with a various group of greater than 60 organizations to assist form the way forward for agentic funds,” Google executives said.
Some of these companions are massive names in crypto, equivalent to Coinbase and the Ethereum Foundation, whereas others are international funds platforms equivalent to American Express, Mastercard, PayPal, Revolut, and UnionPay.
x402 + @Google simply unlocked a brand new stage for AI brokers.
Agents can truly pay one another now, with x402 powering the stablecoin rail inside Google’s new Agentic Payments Protocol (AP2). Really cool. pic.twitter.com/R3gj16g3hY
— Brian Armstrong (@brian_armstrong) September 16, 2025
Autonomous AI Payments
Coinbase has been creating its personal AI and crypto cost options, particularly together with assist for dollar-pegged stablecoins. Google’s protocol builds on the agency’s Agent2Agent framework from April 2025, anticipating a future the place AI brokers talk and transact instantly with out human intervention.
“The approach we constructed it’s from the bottom as much as issue in each heritage and present cost rail capabilities in addition to forthcoming capabilities equivalent to stablecoins,” head of Web3 at Google Cloud, James Tromans, told Fortune.
AP2 is designed as a common protocol, “offering safety and belief for a wide range of funds like stablecoins and cryptocurrencies,” the agency acknowledged. It goals to speed up assist for the Web3 ecosystem by way of a production-ready answer for agent-based crypto funds.
“Extensions like these will assist form the evolution of cryptocurrency integrations inside the core AP2 protocol.”
The system builds belief through the use of “Mandates,” that are tamper-proof, cryptographically-signed good contracts that function verifiable proof of a person’s directions.
These Mandates handle the 2 major methods a person will store with an agent: real-time purchases with the human current, and delegated duties which the agent will deal with.
The Future of Shopping
AP2 additionally allows subtle autonomous commerce equivalent to “good buying,” the place AI brokers monitor availability and execute purchases when circumstances are met.
It also can search out customized affords with brokers contacting retailers with particular particulars and time frames for the merchandise wished.
AI agents also can perform coordinated duties equivalent to reserving flights and inns with multi-vendor transactions concurrently.
This week, the Ethereum Foundation additionally announced the formation of a brand new crew to work on agentic AI funds for the Ethereum community.
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