Ant Group Launches Overseas AI Payment Solution Enabling Global Agentic Commerce for Merchants

"The essence of business remAIns unchanged in the AI era, but Agents are reshaping user interaction, service processes, and transACTions," said Han Xinyi, CEO of Ant Group, at the Alipay AI payment Ecosystem Conference on May 26. At the conference, Alipay unveiled the world's first AI wallet for indiVidual users, completing its full-stack AI-native payment infrastructure covering authorization, payment, settlement, SECurity, and trust.

This AI business ecosystem is also expanding globally. Recently, Ant International officially launched the Agentic Mobile Protocol (AMP) for mobile payment services including global e-wallets, Super Apps, and digital banks. AMP addresses critical challenges in global agentic commerce, such as enabling consumers to shop securely and conveniently through AI Agents, and allowing merchants to achieve cross-market inteRoPErability.

For AI-driven export businesses, cross-border e-commerce, travel, aviation, digital entertainment, and other sectors, the biggest challenge is no longer model capability—it is the ability to operate seamlessly across global agentic commerce and cross-border finance. Ant's "full-domain + global" layout creates a reachable, operable, and scalable channel for AI globalization startups and cross-border merchants to enter agentic commerce.

Solving AI agent Payment Challenges: "Build Once, Operate Globally"

As more people use AI tools in daily life, AI APPlications like QianWen are rapidly becoming a new way to shop online, with agents emerging as new customer acquisition channels. In the future, users will increASIngly find and purchase products such as discounted air tickets, game renewals, subscriptions, and even tokens through AI platforms like QianWen, Gemini, and merchant-embedded agents. AI agents are already beginning to act on behalf of users to search, decide, purchase, and use services. Global commerce is shifting from "user-operated" to "user-authorized, agent-executed." According to forecasts, the global agentic commerce market was valued at $5.7 billion in 2025 and is expected to reach approximately $28 billion by 2030, representing a compound annual growth rate (CAGR) of 46%.

Shopping through AI Agents places higher demands on transaction and payment management for both merchants and users, especially in the rapidly growing mobile payment market. According to the latest World Bank Global Findex data, mobile payment penetration in emerging economies has exceeded 70%, with a transaction volume CAGR of 15%. In traditional card-based markets like Europe and the US, mobile payment is also growing rapidly, and e-wallets now account for half of global online spending.

However, the global mobile payment market is highly diverse and fRAGmented. Users in different countries and regions use various mobile payment methods. While many merchants' products can be discovered by potential consumers through AI agents, they struggle with global payment integration, agent identity authentication, channel coverage, user trust systems, and compliance requirements. AMP provides a unified global agentic commerce access layer.

Via AMP, users can link their wallet to an agent in three steps → book a flight directly in the agent chat interface using their wallet → manage and set budgets for agent task spending in real time within their wallet → and automatically terminate tasks when budgets are exceeded.

Through AMP, consumers worldwide, merchants expanding to young mobile users in Southeast Asia, and AI Startups seeking global customers can all enjoy smoother transaction flows, higher payment success rates, and more secure payment methods within agents. This becomes a new advantage for merchant growth in the agentic commerce environment, helping users and merchants easily embrace the next generation of AI business transformation.

Agent Trust Authentication and "Dare to Pay, Dare to Compensate" – Building a Trusted Agentic Commerce Environment

A key advantage of the AMP protocol is its trust Framework. When the transaction subject changes from "human" to "human-authorized agent," merchants face new security challenges. For example, when an airline receives booking requests from millions of unknown global agents, how can it confirm that orders come from trusted agents rather than fraud? How can it ensure orders match the user's original purchase intent? Can user funds be protected during agent transactions? These concerns are core obstacles to large-scale agentic commerce adoption.

AMP introduces an enhanced Know Your Agent (KYA) authentication system, establishing unified trust ratings for agents to help users and merchants judge agent trustworthiness.

In the future, merchants will be able to identify not only user identities but also agent identities and ratings, ensuring that transactions come from "trusted agents" with genuine purchase intent rather than malicious attacks. This builds a new trust system for the AI era.

In terms of fund protection, AMP also incorporates AgentSafePay for the first time, extending Ant Group's mature "Dare to Pay, Dare to Compensate" guarantee to agent transaction scenarios. Even when transactions are executed by agents, users and merchants still receive fund security protection and risk coverage, with instant compensation in case of anomalies.

Merchants can confidently accept agent orders, and users can trust their wallets to AI management, creating a closed loop of trust from identity authentication to fund security. When agent transactions meet or exceed existing high Standards of trust and acceptability, agentic commerce can scale rapidly.

Industry Significance of AMP: Filling the Global Agentic Commerce Standard Gap in the Mobile Ecosystem

AMP fills a critical gap in global agentic commerce infrastructure. From HTTP in the PC era to mobile payment networks in the mobile internet era, each technological revolution has given birth to new open standards. In the agentic commerce era, current industry standards are mostly designed for traditional card formats. Global commerce still lacks an open protocol for the mobile payment ecosystem to support agents in completing transactions across platforms, wallets, and markets.

AMP for the first time integrates agent identity, authorization, payment, settlement, and trust into the global mobile payment ecosystem, providing a common language for e-wallets, super apps, banking apps, and AI platforms. This is not just a payment capability upgrade—it is the construction of open, secure, trusted, and interoperable global commerce infrastructure for the agentic era.

Additionally, Ant International continues to deeply participate in other industry agent payment standard-setting processes, leading collaboration with Google's Universal Commerce Protocol (UCP). It is also one of Visa and Mastercard's首批 agent card payment partners. Through Alipay, Ant International provides one-CLIck access for global mainstream AI platforms like QianWen and Gemini, allowing more merchants worldwide to benefit from the Agentic Economy.

Currently, Ant International connects 2 billion consumer accounts and 150 million merchants across more than 200 countries and regions. The underlying network of this ecosystem includes over 1,400 financial institutions such as card networks and banks, notably more than 50 of the world's largest mobile payment partners and QR code networks in over 10 emerging markets, and it continues to expand rapidly.

Yang Jiangming, Chief innovation Officer of Ant International, said: "AI commerce is moving from 'humans using tools' to 'agents proactively completing tasks.' The key to global business competition in the future will no longer be just model capability—it will be the ability to build cross-market, cross-wallet, cross-device transaction and trust networks. AMP aims to help global merchants and AI companies enter the agentic commerce era at lower cost, working together to build an open, secure, and interoperable global commerce network."

Han Xinyi, CEO of Ant Group, stated that Alipay and Ant International have jointly launched a global compliance payment solution for AI-era entrepreneurs who are "born global."