# Agentic Mobile Protocol (AMP)

> An open-source payment protocol from Ant International for mobile interfaces — digital wallets, super apps, smart devices, and wearables — enabling AI agents to execute payments through existing mobile payment rails. Launched April 2026; global rollout across the Alipay+ ecosystem (10 wallets, 7 acquirers) announced September 2026. Ant International, Mastercard, and Visa are collaborating on a Know-Your-Agent (KYA) interoperability framework through BuildFin.ai (MAS).

## At a glance

| Field | Value |
| --- | --- |
| Name | AMP |
| Layer | payment-execution |
| Category | hybrid |
| Status | live |
| Created by | Ant International |
| Launched | 2026-04 |
| Rails | mobile wallets, QR networks |
| Settlement | Settles through participating digital wallet and acquirer infrastructure in the Alipay+ ecosystem; includes a nano-grade agent-to-agent settlement mechanism for sub-cent transactions. |
| Reversible | yes |
| Human in loop | optional |
| D2C fit | strong |
| B2B fit | moderate |
| Spec | — |
| Last verified | 2026-09-14 |

## How it works

AMP is an **open payment protocol** designed for **mobile interfaces** — digital wallets, super apps, smart devices, and wearables — so AI agents can execute payments through the channels consumers already use, with no need to switch apps or change payment habits.

- **Task authorization.** Consumers authorize a specific task and budget, not hand over their account. Real-time visibility and control let users see what agents are doing and revoke access at any time.
- **Know-Your-Agent (KYA) Framework.** Establishes each agent's digital identity and certifies its authorized capabilities. The **Agent Trust Rating** is a dynamic risk-management mechanism that determines whether an agent is trustworthy and controls the level of autonomy it receives.
- **AgentSafePay.** Provides a money-back guarantee for merchants against agentic-specific risks, giving merchant-side trust alongside consumer-side controls.
- **Agent-to-agent (A2A) settlement.** A high-frequency nano-grade settlement mechanism enables automated transactions as small as $0.000001 between AI agents, with real-time accounting and clearing — addressing sub-cent machine-speed transactions that traditional payment rails cannot support.
- **Open-source and multi-rail.** AMP is open-sourced on GitHub and designed to work across digital wallets, QR networks, and acquirer infrastructure. Phase I integration covers 10 Alipay+ wallets serving 1.5 billion user accounts and 7 global acquirers (Adyen, Allinpay, Checkout.com, Fiserv, Global Payments, Nuvei, Worldline).

Ant International, Mastercard, and Visa are collaborating on a **KYA interoperability framework** through BuildFin.ai (convened by the Monetary Authority of Singapore) to standardize agent onboarding and identification across payment networks, building on the Safeguards for Agentic Finance at Runtime (SAFR) framework.

## Tradeoffs

- Primarily deployed within the Alipay+ ecosystem, which limits initial reach outside markets where Alipay+ wallets are prevalent (APAC-centric in Phase I).
- Agent Trust Rating and KYA are Ant International constructs; cross-network interoperability depends on the Mastercard/Visa KYA collaboration delivering common standards.
- AgentSafePay's money-back guarantee shifts risk from merchants to the protocol operator; the economics at scale (for nano-transactions) are unproven.
- The claimed GitHub open-sourcing could not be independently verified via a specific repository URL at time of writing; the press release states it is available.

## Security & limitations

- Agent Trust Rating is the gating mechanism for autonomy; manipulation of the rating or its inputs could elevate an untrusted agent's spending authority.
- The nano-grade A2A settlement mechanism handles sub-cent transactions at machine speed, so rate-limiting and per-agent spending controls are load-bearing safety features.
- KYA identity is established per agent; identity spoofing or credential sharing across agents could bypass per-agent controls.

## Sources

1. [Ant International's Agentic Mobile Protocol Rolls Out Globally with Wallets and Acquirers](https://www.ant-intl.com/en/news/detail/?hideNext=1&id=ant-internationals-agentic-mobile-protocol-rolls-out-globally-with-wallets-acquirers-initiating-collaboration-on-kya-interoperability-framework-with-mastercard-and-visa&tag=AMP) — Ant International, 2026-09
2. [Ant International's Agentic Mobile protocol rolls out globally](https://thepaypers.com/payments/news/ant-internationals-agentic-mobile-protocol-rolls-out-globally) — The Paypers, 2026-09-11

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_Source: payful.ai — independent editorial reference. Verified 2026-09-14._