Fintech company Ant International announced Thursday it has signed on Visa and Mastercard to collaborate on a new standard for payments made via AI agents, in a bet that they will be used more and more by consumers and businesses.
在一份声明,中，这些公司引用了麦肯锡的预测，预计到 2030 年，人工智能代理将处理 $3 万亿至 $5 万亿的全球消费商务。但蚂蚁国际, 的杨江明, 首席创新官, 告诉 CNBC，人工智能代理 产生幻觉的可能性意味着"我们需要确保人们感到安全。"
In a statement, the companies cited McKinsey projections expecting AI agents will handle $3 trillion to $5 trillion of global consumer commerce by 2030. But Jiang-Ming Yang, chief innovation officer of Ant International, told CNBC that AI agents potential for hallucination meant "we need to make sure people feel safe."
"信任是人工智能转型的基础,"杨在接受CNBC采访时表示。
"Trust is the foundation of the AI transformation," Yang told CNBC in an interview.
Building trust in AI payments
新的合作将重点关注支付公司如何"了解您的代理,"蚂蚁金服在公告中表示,，其中包括建立将每个代理与有效实体,联系起来的通用标准,评估每个代理'的行为并监控他们。
The new collaboration will focus on how the payment companies can "know your agent," Ant said in the announcement, which includes building common standards that link each agent to a valid entity, assess each agent的 behavior and monitor them.
它'是为了提高不同系统用户的互操作性。
It的 an effort to increase interoperability for users of the different systems.
"如果 [an] 代理向 Ant, 注册，他们'就不需要再次向 Visa, 万事达卡," 注册。杨说。
"If [an] agent registers with Ant, they don't need to register again with Visa, Mastercard," Yang said.
In the past 12 months, Visa, Mastercard and Ant International have each announced their own systems, known as protocols, for AI agents to complete payments securely.
While U.S. credit card giants Visa and Mastercard dominate transactions in developed economies, many developing economies tend to use electronic payment systems known as e-wallets.其中超过 50 个电子钱包与 Ant International, 合作，后者运行 "Alipay Plus" 应用程序。
While U.S. credit card giants Visa and Mastercard dominate transactions in developed economies, many developing economies tend to use electronic payment systems known as e-wallets. More than 50 of these e-wallets have partnered with Ant International, which runs an "Alipay Plus" app.
这些数字钱包也开始与信用卡链接，并成为比实体卡更常见的支付方式。 Digital wallets accounted for 56% of global e-commerce value and 33% of point-of-sale value in 2025, for more than $13 trillion in spending, according to payment processing company Worldpay.
These digital wallets have also started to link to credit cards and are becoming a more common way to pay than with physical cards. Digital wallets accounted for 56% of global e-commerce value and 33% of point-of-sale value in 2025, for more than $13 trillion in spending, according to payment processing company Worldpay.
现在，技术需要安全地发展以适应人工智能驱动的支出。
Now that technology needs to develop securely for AI-driven spending.
"Know-Your-Agent 框架之间的互操作性对于代理商务大规模运作至关重要," 万事达卡, 首席数字官 Pablo Fourez, 表示，强调商家和支付处理商需要采用一致的方式来识别他们可以信任的人工智能代理。
"Interoperability across Know-Your-Agent frameworks is essential to making agentic commerce work at scale," said Pablo Fourez, chief digital officer at Mastercard, stressing the need for a consistent way for merchants and payment processors to recognize which AI agents they can trust.
蚂蚁国际近三年前从总部位于杭州的蚂蚁集团,分拆，后者在中国大陆运营支付宝移动支付应用程序。
Ant International separated nearly three years ago from Hangzhou-based Ant Group, which runs the Alipay mobile payments app in mainland China.
支付宝周三宣布，用户可以通过其人工智能功能之一设置定期请求来下星巴克订单。
Alipay announced Wednesday that users can set regular requests to make Starbucks orders via one of its AI features.
用户可以告诉应用"每天上午 10 点给我买一杯星巴克冰美式咖啡,"，它会定期在指定时间, 下订单，然后根据新闻稿提示用户完成付款,。
Users can tell the app to "buy me a Starbucks iced Americano at 10 a.m. every day," which will regularly place the order at the designated time, before prompting the user to complete the payment, according to a press release.
目前，用户还可以通过相同的支付宝人工智能工具向滴滴提出定期打车请求。
Users can currently also make recurring ride-hailing requests from Didi via the same Alipay AI tool.
— CNBC的 Matthew Tan 对本报告做出了贡献。
— CNBC的 Matthew Tan contributed to this report.
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