Emre Yumlu 
Google has unveiled a new open-source payments protocol designed to make financial transactions between AI-powered applications faster, more secure, and more efficient. The system not only supports traditional payment methods such as credit and debit cards but also integrates stablecoin-based payments, bringing digital assets into the AI economy.
Partnership with Coinbase and Salesforce
To enable stablecoin compatibility, Google partnered with Coinbase, leveraging the exchange’s existing AI and crypto payment infrastructure. In addition, Google collaborated with the Ethereum Foundation and more than 60 other organizations, including Salesforce, American Express, and Etsy, to shape different aspects of the protocol.
According to James Tromans, Head of Web3 at Google Cloud, the protocol was designed to align with today’s payment rails while also incorporating forward-looking solutions such as stablecoins.
AI Agents and the Future of Finance
In the AI ecosystem, “agents” refer to specialized algorithms built for particular tasks. Some agents can generate code, while others can browse online marketplaces to complete purchases.
Experts believe that in the near future, AI agents will increasingly communicate directly with one another, without human involvement. This could allow an AI financial advisor to negotiate mortgage terms with AI systems from various banks, or an AI shopping assistant to interact with online vendors to find the best products for a user.
Standardization Efforts Began in April
Earlier this year, Google released a protocol to establish a standardized communication framework for AI agents. The newly launched payments layer builds upon that foundation, enabling secure and transparent financial interactions between AI systems.
Tromans emphasized that this innovation ensures transactions between AI agents are carried out safely, accurately, and in line with human intentions.
Coinbase and Google’s Shared Vision
Erik Reppel, Head of Engineering at Coinbase’s developer platform, noted that both companies worked closely to ensure their systems are interoperable. He explained, “We’re all working to figure out how AI can seamlessly transfer value between each other.”
Big Tech and the Stablecoin Push
Google is one of the most visible major tech companies exploring stablecoin adoption. Amid a more crypto-friendly policy environment in the U.S., other global players such as Apple, Airbnb, and Meta have also explored stablecoin integration.
In June, Shopify announced its own plans to enable stablecoin payments for users later this year, signaling that the use of stablecoins is spreading beyond crypto markets and into mainstream technology services.
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