Google has introduced an open-source payments standard aimed at enabling artificial intelligence agents to conduct financial transactions autonomously. This new protocol, launched in September 2025, builds upon Google's existing Agent-to-Agent (A2A) framework, which standardizes AI communication.
The standard facilitates secure fund transfers, including U.S. dollar-pegged stablecoins, and integrates with both traditional card networks and blockchain-based assets. The development involved consultations with over 60 companies, including Coinbase, Salesforce, American Express, and Etsy, with the goal of streamlining and securing financial interactions between software agents.
James Tromans, who leads Web3 at Google Cloud, stated that the protocol was designed to support both established financial systems and emerging stablecoin capabilities. This initiative aligns with Google Cloud's strategy to incorporate blockchain technology into its services, as demonstrated by its work on the Google Cloud Universal Ledger and a pilot program for tokenized asset settlement with CME Group, scheduled for testing in 2026.
This payments standard represents a significant shift in commerce, potentially allowing AI agents to manage tasks such as shopping, brokerage, and back-office operations. By supporting stablecoins and blockchain integration, Google is enhancing the utility of cryptocurrencies beyond trading and promoting a future of verifiable and auditable transactions between software systems.
The development also coincides with the Ethereum Foundation's recent establishment of a decentralized AI (dAI) team, indicating a growing industry focus on building AI economies on blockchain infrastructure. Industry experts consider this a pivotal moment, positioning Google as a key facilitator for future AI-driven economies. The collaborative approach and integration of diverse financial rails highlight a commitment to creating efficient, secure, and interoperable frameworks for AI-powered commerce. The practical implementation and widespread adoption will be crucial for realizing the full potential of this advancement, which is expected to redefine business and consumer interactions in an increasingly automated world.