Ant International has introduced the Agentic Mobile Protocol (AMP), a new framework designed to support the growing agentic commerce industry by enabling secure, AI-native payment connections across mobile services such as digital wallets, banking apps, super apps, and mobile portals—from smartphones to wearable devices.
The launch marks a significant step toward advancing autonomous AI-powered transactions, helping merchants, developers, and payment platforms integrate agentic commerce capabilities more efficiently and securely.
“We are deeply grateful for partners, acquirers and developers who contributed to this project,” said Jiang-Ming Yang, Chief Innovation Officer of Ant International.
“An agentic protocol for mobile commerce that ensures superior efficiency and security results will be key for businesses large and small expanding into the world’s fastest growing markets. We look forward to expanding our multi-layered partnerships to enable real-world successes of AI commerce,” Yang added.
Digital Wallets Driving the Future of Agentic Commerce
The global agentic commerce market is projected to reach approximately USD 28 billion by 2030, growing at a compound annual growth rate (CAGR) of 46% as the industry moves from pilot AI agent programs to full-scale autonomous transaction systems.
At the same time, digital wallets continue to play an increasingly central role in global payments. The number of digital wallet users worldwide reached 4.4 billion in 2025 and is expected to surpass 6 billion by 2030—representing more than 75% of the global population.
Despite this rapid growth, many current AI payment protocols remain largely built around traditional card rails, creating friction for merchants and digital wallets that need seamless payment experiences within mobile-first ecosystems.
AMP addresses this challenge by enabling merchants, large language models (LLMs), AI platforms, self-developed merchant agents, and agent builders to embed agentic payment functionality directly into their workflows—without requiring major system overhauls.
Ant International has also open-sourced AMP to help establish a universal and auditable standard for secure and seamless AI agent transactions across global platforms.
Key Features of the Agentic Mobile Protocol
The AMP framework introduces several innovations designed to improve both user experience and payment security.
Superior Agentic Checkout Experience
AMP significantly streamlines agent integration by reducing the number of steps required to connect a payment agent to a digital wallet by 50% compared to traditional card-binding methods.
It also includes a money-back guarantee mechanism for payment partners in cases of account takeovers involving agent-initiated transactions, offering an added layer of protection.
The protocol is also built for cross-device compatibility, allowing payment agents to operate across smartphones, smartwatches, AR glasses, and in-car systems—capabilities that traditional card-based systems often cannot support.
Secure Trust Architecture for AI Agent Delegation
AMP introduces a more efficient and secure trust architecture that enables precise delegation of payment authority to AI agents.
Whether users are asking an AI agent to order coffee, book transportation, or plan travel, they retain full visibility and the ability to revoke or modify permissions at any time.
This ensures that convenience does not come at the expense of control.
Agent-to-Agent Settlement for the New AI Economy
A major innovation within AMP is its high-frequency agent-to-agent (A2A) settlement mechanism, which allows automated ultra-small transactions between AI agents.
The system can process nano-transactions as small as $0.000001 with real-time accounting and clearing—an important capability for the emerging agentic economy, where traditional payment rails struggle to support frequent sub-cent transactions.
Full-Spectrum Know Your Agent Framework
To strengthen trust and security, AMP includes a full-spectrum Know Your Agent (KYA) framework that establishes an AI agent’s digital identity and verifies its authorized capabilities.
Its proprietary Agent Trust Rating mechanism adds another layer of protection by dynamically assessing whether an agent is trustworthy and determining the level of autonomy it can be granted.
This helps reduce fraud risks while supporting responsible agentic transactions.
Expanding a Global Wallet Ecosystem
Ant International is already working with wallet partners through Alipay+, its global wallet gateway, to implement AMP.
Alipay+ currently connects more than 40 digital wallet partners, covering 1.8 billion user accounts and 150 million merchants worldwide.
Building on this extensive payment ecosystem spanning wallets, acquirers, super apps, and cards, Ant International is also among the first partners of Mastercard and Visa to pilot card-based transaction capabilities for AI agents.
In addition, the company is collaborating with Google on protocols for agentic commerce and payments, further strengthening cross-industry coordination for the future of AI-driven transactions.
With AMP, Ant International is positioning itself at the forefront of the next evolution of commerce—where AI agents move beyond assistance and into secure, autonomous economic participation.
