Alipay introduced two tools for agent-driven commerce. AI Wallet is a consumer control layer inside the Alipay app that lets users monitor, manage, and authorize tasks performed by AI agents before, during, and after transactions. Token Pay is a settlement product for AI model providers that supports subscription models, in-agent token top-ups, and complex micro-transactions. The combined approach targets payment authorization and risk management as AI agents move from recommendations to completed purchases. An example involves an AI agent on smart glasses ordering and customizing coffee before a user enters a café, while the payment system tracks who approved the transaction, what the agent was allowed to do, and when the user can intervene.
"Ant Group has launched two Alipay tools for agent-driven commerce: AI Wallet, a consumer control layer inside the Alipay app, and Token Pay, a settlement product for AI model providers. The tools are built for AI agents that can shop, book services, and complete transactions while giving users and payment providers more control over authorization and risk."
"AI Wallet is the consumer-facing part. It lets Alipay users monitor, manage, and authorize tasks carried out by AI agents before, during, and after a transaction. Token Pay is built for AI model providers to handle subscription models, in-agent token top-ups, and complex micro-transactions."
"“Agents execute payments, while tokens carry value.” AI Wallet is about user permission; Token Pay is about payment flows between agent platforms, model providers, and merchants. Together, they show how AI shopping agents could move from recommendations to transactions."
"An example Ant Group gave is simple enough to understand. An AI agent running on smart glasses could order, customize, and pay for coffee before the user enters a café. The user avoids checkout friction, but the payment system still needs to know who approved the transaction, what the agent was allowed to do, and when the user can intervene."
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