As AI-native transactions move from concept to implementation, agentic commerce is forcing a fundamental rethink of how digital payments and settlement infrastructure work.
From human-centric payments to AI-native rails
Between September 2025 and March 2026, every major player in global payments moved on AI-driven commerce. OpenAI and Stripe launched the Agentic Commerce Protocol, while Google unveiled the Universal Commerce Protocol to more than 30 retail and fintech partners.
Over the same period, Visa and Mastercard released agent-focused payment frameworks. Coinbase advanced its x402 standard, clearing more than 15 million transactions on Base. Moreover, Stripe and Tempo co-authored the Machine Payments Protocol and submitted it for IETF standardisation.
The timing is not accidental. Payment infrastructure of the past three decades was built for humans sitting at browsers, filling forms and passing stepwise verification. AI agents, however, need programmatic interfaces
We współpracy z: https://en.cryptonomist.ch/2026/03/31/agentic-commerce-payments-protocols/
