2 godz. temu
Mastercard Pushes AI-Agent Payments, With RippleX Citing XRPL and RLUSD
Mastercard is moving to adapt its payments network for AI agent use cases, according to CoinDesk. Under a newly disclosed framework called Agent Pay for Machines (AP4M), some future payments would no longer be manually triggered by users at checkout. Instead, authorized AI systems would process transactions continuously in the background.
AP4M is designed for high-frequency, low-value machine transactions. As AI agents take on tasks such as booking tickets, procuring computing power, calling APIs, and coordinating supply chains, they may need to pay during execution rather than wait for manual approval each time. CoinDesk notes that transactions could be smaller than one cent and run at scale, supporting pay-per-use billing, automated service procurement, and real-time resource allocation.
Mastercard's model combines authorization, orchestration, and settlement into a single framework aimed at enabling near-instant completion across a global network. The design also addresses the risks of automated spending by requiring each AI agent to operate within predefined permissions, spending limits, and compliance controls, while keeping all transactions traceable.
CoinDesk reports that more than 30 partners are exploring adoption, including RippleX. Markus Infanger, Senior Vice President at RippleX, said the XRP Ledger (XRPL) and RLUSD are well suited for settlement environments that require speed, low costs, and rule-based execution. The development underscores a growing convergence between traditional payments networks and blockchain-based settlement. As AI agents become more active economic participants, the industry could shift from a "human-initiated, human-confirmed" model toward "machine-executed, rule-constrained" operations.