Google has launched a new open-source AI payments system that lets AI apps easily send and receive money using regular payment methods and stablecoins.
This is a big step toward AIs handling payments directly and shows Big Tech’s growing interest in using blockchain for money transfers. Notably, Google has named the product Agent Payments Protocol (AP2).
Stablecoins Integrated into Google’s New Framework
The protocol supports credit and debit cards but stands out for its native stablecoin integration. To enable this, Google worked with crypto exchange Coinbase, which has been developing its own AI and crypto payment solutions.
Google also collaborated with the Ethereum Foundation and consulted more than 60 companies, including PayPal, Salesforce, and American Express. James Tromans, head of Web3 at Google Cloud, explained that the protocol was “built from the ground up” to bridge traditional payment infrastructure with next-generation crypto capabilities.
Enabling AI-to-AI Transactions
Notably, this initiative builds on Google’s April release of a framework that allows AI agents—specialized algorithms that perform tasks autonomously—to communicate with each other. The newly launched payments protocol improves this by making financial transactions between these AI agents secure and reliable.
Interestingly, the concept envisions a future where AI financial advisors can negotiate mortgages directly with AI representatives at banks or where personal shopper bots can purchase goods without human involvement.
Commenting, Coinbase’s head of engineering, Erik Reppel, noted that the industry is working to make it possible for AI systems to “transmit value to each other.”
Big Tech’s Expanding Interest in Stablecoins
Google’s move aligns with the new trend among technology giants exploring stablecoin adoption. Specifically, companies like Apple, Amazon, Walmart, and Meta have investigated stablecoin integrations. Shopify has even announced plans to enable stablecoin payments for its merchants.
Notably, the expanding interest in stablecoin builds on the more crypto-friendly U.S. administration. In July, President Trump signed a landmark stablecoin regulation into law, granting new legitimacy to the crypto ecosystem.
Now, Google is combining AI with stablecoin payments. It seeks to place itself at the leading edge of next-gen finance where automated systems handle real-time transactions, transforming digital commerce and financial services.
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