Ant International's Agentic Mobile Protocol is rolling out across the global mobile payment ecosystem
As Ant International builds out its Agentic Mobile Protocol (AMP) with deeper interoperability and open-source initiatives, fintech and payment leaders are deploying the protocol globally at an accelerated pace, to enable trusted agentic transactions in large-scale commercial scenarios.
Towards building the World's Largest Agentic Payment Network
The AI economy is built on the ability of the financial industry to ensure AI agents interact to make decisions and execute transactions end-to-end for consumers and businesses, securely, smoothly and with full authorisation across all payment rails, especially in prevalent mobile payment scenarios through QR scans, card swipes or phone taps.
Launched in April 2026, the AMP is an open payment protocol built by Ant International for digital wallets, super apps, smart devices, and other mobile interfaces to enable payments executed by AI agents. Today, adoption is rolling out across Ant International's Alipay+ ecosystem, a mobile payment network serving 50+ mobile payment partners and over 10 national QR networks, connecting 150 million merchants to 2 billion consumer accounts globally.
In Phase I, the following partners will work with AMP to advance their own agentic commerce strategies:
Phase I Wallet partners:
10 Alipay+ mobile wallet partners will support AMP in their own agent security architecture in Phase I. They are:
Alipay (China), AlipayHK (Hong Kong SAR, China), DANA (Indonesia), GCash (Philippines), KakaoPay (South Korea), MPay (Macao SAR, China), TNG eWallet (Malaysia), TrueMoney (Thailand), Toss (South Korea), and Starryblu (Singapore)
Phase I Acquiring partners:
Adyen, Allinpay, Checkout.com, Fiserv, Global Payments, Nuvei, and Worldline
Cross-Sector Partnership on Trust with Card Networks, Monetary Authority of Singapore
Building a truly global, inclusive infrastructure for agentic commerce calls for cross-sector and public-private collaboration on trust and governance mechanisms.
Ant International, Mastercard, and Visa have begun collaboration on a Know-Your-Agent (KYA) interoperability framework, designed to help card networks, digital wallet ecosystems, agent platforms and marketplaces streamline agent onboarding and identification across networks, based on shared principles while preserving each network's own verification and decisioning processes.
Building on the Safeguards for Agentic Finance at Runtime (SAFR) framework, Ant International, Mastercard and Visa will collaborate through BuildFin.ai to advance common approaches for AI agent verification, accountability and risk management across payment ecosystems in Singapore. BuildFin.ai is an industry platform convened by the Monetary Authority of Singapore (MAS) to bring together financial institutions, technology providers and researchers to develop and scale responsible AI solutions for financial services.
The effort aims to support secure and scalable agentic commerce, enabling AI agents to operate safely and reliably across payment ecosystems while maintaining strong safeguards for consumers, merchants and financial institutions.
To maximise industry co-building, AMP is now officially open-sourced on GitHub, with source code, developer SDKs, and related technical documentation available to global developers, AI platforms, wallets, acquirers, and financial institutions.
Agents as Trusted Actors across Markets and Payment Rails
“AMP has been created to enable agents to enter existing mobile payment systems as trusted actors. We are inspired to see how, a few months into its launch, more and more wallets and payment partners are accelerating their AI strategy by bringing this exciting capability to users in the real world,” said Jiang-Ming Yang, Chief Innovation Officer at Ant International.
Key features of the Agentic Mobile Protocol include:
· End-to-end agentic transactions across devices: No need to switch apps or change payment habits across mobile interfaces like smartphones and AR glasses.
· Faster agent integration cuts steps required to link a payment agent to a wallet by 50%.
· Clear boundaries of permissions for users to authorise the task, not hand over the account, with real-time visibility and control of agents.
· Full-spectrum Know-Your-Agent (KYA) Framework establishes an agent's digital identity and certifies its authorised capabilities, with Agent Trust Rating controlling levels of autonomy for agents.
· AgentSafePay provides money-back guarantee for merchants against agentic-specific risks.
· A high-frequency nano-grade agent-to-agent (A2A) settlement mechanism enables automated, ultra-small transactions as tiny as $0.000001 between AI agents.
“Meanwhile, agentic commerce will only have a real path to mass adoption when supported with a deep foundation of trust. While AMP continues to invest in our own security solutions like AgentSafePay, we are also committed more than ever to strengthening collaboration with card networks, policy leaders like MAS and other stakeholders on new accountability mechanisms, to ensure all agentic transactions are protected by our collaborative agent identity and authorisation capabilities across markets and rails,” said Yang.
Partner quotes
Adyen: “The promise of agentic commerce relies on open, interoperable systems that allow trusted agents to move seamlessly across networks. Adyen is pleased to collaborate with Ant International in building this foundation, helping our enterprise customers experiment and scale as the global agentic ecosystem takes shape.” - Karan Katyal, Global Head of Agentic Commerce at Adyen.
Checkout.com: “Agentic commerce is a channel expansion, similar to how mobile was, and to date it‘s been largely card-based. AMP extends this to the wallets where billions of consumers already transact, across many more markets. At Checkout.com we’re supporting that expansion for our merchants, allowing a consumer buying through an AI surface like Gemini or ChatGPT to pay with Alipay+ just as they would anywhere else.” - Brian Sze, General Manager of Asia Pacific at Checkout.com.
DANA: “Agentic commerce could make buying feel almost effortless — where users express intent and intelligent agents handle the complexity. But the more autonomy we give machines, the more intentional we must be about trust, guardrails, and accountability.” - Darrick Rochili, Chief Innovation Officer at DANA.
Fiserv: “The next chapter of commerce will be defined by how seamlessly AI agents can connect consumers, merchants, financial institutions and platforms. That opportunity requires open standards that help foster trust, interoperability and greater consumer choice and control across the ecosystem. We believe initiatives like AMP can help accelerate innovation while allowing businesses to leverage the payment and banking relationships consumers already rely on every day.” - Lia Cao, Chief Revenue Officer, Enterprise and Platform Clients, Merchant Solutions, at Fiserv.
Global Payments: “The success of agentic commerce will depend on trust, interoperability and ease of adoption. With our scale and deep relationships across the commerce ecosystem, Global Payments is helping merchants embrace the next generation of digital commerce, including supporting initiatives like AMP that advance agentic commerce and bring the promise of this technology into the mainstream.” - Cindy Turner, Chief Product Officer at Global Payments.
MPay: “MPay is honored to be among the first digital wallets around the world to support Ant International’s AMP. AI agents are changing how users access services and complete transactions, and payments are a key link in bringing AI into real-world business environments. As an international city of tourism, Macao has a unique advantage in its ability to unite local life, cross-border consumption, and global services. Macau Pass will continue to embrace pioneering technologies and steer the deep integration of AI, payments, and local businesses to bring more innovative services to Macao first, helping Macao’s digital lifestyle, smart city development, and commercial services connect with the broader international ecosystem.” - Gavin Zhao, President and Chief Product & Technology Officer at Macau Pass Group.
Nuvei: “Nuvei connects businesses to payment methods and consumers across more than 200 markets through a single platform. As commerce shifts towards agentic purchasing, Nuvei is extending that connectivity to help merchants engage with AI agents across an open and interoperable ecosystem. Merchants don‘t need another payment silo, they need one connection to every agent that comes to them. That’s what we're building with Nuvei Agentic, and supporting open protocols like AMP is how it connects merchants to the preferred ways consumers choose to pay.” -- Phil Fayer, Chair and CEO of Nuvei.
Starryblu: “As an AI‑powered payment offering under Alipay+, AMP effectively addresses user pain points and supports integration with major Agent platforms. It stands out as the world‑leading solution in terms of payment capabilities, security and user‑friendliness. Starryblu has a large base of AI‑driven paying users, making our two sides a highly aligned match. We look forward to jointly delivering real‑world value and an optimal experience for end users.” - Eric Zeng, Cofounder and President at Starryblu.
TNG eWallet: “Agentic commerce has the potential to make everyday transactions simpler by helping users move from intent to payment with fewer steps. Through our participation in AMP, TNG Digital is exploring how this technology could support more convenient experiences within TNG eWallet. Our priority is that any future capability is introduced responsibly, with clear user authorisation, strong safeguards and transparency throughout the journey. This reflects our open platform strategy and our ambition for TNG eWallet to be a trusted everyday digital companion for Malaysians,” said Alan Ni, Chief Executive Officer of TNG Digital, the operator of TNG eWallet.
TrueMoney: “Digital payments are already deeply embedded in the everyday lives of Thai consumers. The next step is to make these experiences even more seamless and intelligent. Through our partnership with Ant International, we see an opportunity to explore how agentic AI could simplify the entire purchase journey, from discovering and comparing options to completing payment through the payment methods consumers already know and trust. Importantly, users should remain in control of what the agent is authorised to do. We look forward to exploring how technologies such as AMP could make digital commerce simpler, smarter, and more accessible in everyday life.” - Koravut Pavitpok, Group Head of Strategy & Transformation at TrueMoney.
Worldline: “Agent-initiated payments need two things to work at scale: infrastructure that can verify who is paying and what they are authorised to do, and merchants who can accept those payments without rebuilding everything. Worldline does both. By supporting Ant International’s Agentic Mobile Protocol (AMP) across our Alipay+ integration, Worldline enables merchants to accept agent-initiated transactions seamlessly through the mobile wallets their customers already use. That means merchants can capture new agentic commerce flows securely and simply — without added operational complexity and without the need to integrate separate systems.” - Gertjan Dewaele, VP Product & Technology at Worldline.
