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Google Unveils AI Agent Payments
ALSO : YouTube AI tools boost Shorts creators
Alexandre HOTTON
September 16, 2025
News of the day
1. Google launched AP2 (Agent Payments Protocol), an open protocol enabling AI agents to make automated purchases on behalf of users, backed by 60+ merchants and financial institutions including Mastercard, AmEx and PayPal. → Read more
2. YouTube introduces new AI tools for Shorts creators, including text-to-video generation, AI-powered editing, and sound remixing, to simplify and enhance content creation → Read more
3. AI system transcribes UK Supreme Court hearings and links them to written judgments → Read more
4. OpenAI introduces GPT-5 Codex, a new model built from ChatGPT and tailored for coding, able to adjust its reasoning depth depending on the complexity of the task → Read more
Our take
Hi Dotikers!
Google just launched a protocol that could radically transform how we consume: the Agent Payments Protocol (AP2). Imagine a world where your AI assistant doesn't just suggest products, but negotiates, compares, and purchases directly for you, all securely.
AP2 is an open protocol that allows AI agents to make autonomous purchases while maintaining complete traceability. Backed by over 60 merchants and financial institutions (including Mastercard, American Express, and PayPal), this system creates a common language between AIs, payment systems, and vendors.
The protocol works in two key steps:
Purchase intent: you tell your AI "find me a bike for under €1000"
Cart validation: the AI presents what it found before finalizing the purchase
Even more impressive: in some cases, the agent will be able to make fully automated purchases according to your predefined rules. Imagine asking "plan me a weekend in Rome for €500" and watching your AI simultaneously negotiate with airlines and hotels to get the best package.
This announcement echoes a prophetic vision from Dylan Patel. In a recent interview on a16z's YouTube channel, the technology analyst suggested: "I advise OpenAI to create an agent capable of performing many actions, especially payments, and take commissions on each of these transactions."
Google seems to have heard the message, but with a different approach: rather than creating a closed system with commissions, they're opting for an open protocol. But the question remains fascinating: what if the real business model for AI wasn't monthly subscriptions, but micro-commissions on every facilitated transaction?
With billions of potential transactions performed by AI agents, even a 0.5% commission would represent a colossal market. AI agents could become the new intermediaries of global commerce, a position currently held by Amazon, Booking, or Uber in their respective domains.
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