AMP

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.