Google's AI Agent Payments Protocol (AP2) (opens in new tab)

Google launches AP2: an open payments protocol for AI agents

Google just announced Agent Payments Protocol (AP2): standard meant to let AI agents securely transact across cards, bank transfers & even stablecoins. It uses cryptographically-signed “mandates” to prove intent & create an auditable trail from request → cart → payment.

Apparently 60+ partners on board (Amex, PayPal, Mastercard, Coinbase, etc.).

Google frames this as the foundation of “agentic commerce.”

Is it possible that w/i 6 months an agent-to-agent transaction for a large sum will go wrong, exposing the accountability gaps AP2 is meant to solve?

Is AP2 the missing trust layer for autonomous commerce, or just the start of a messy collision btw agents, payments standards & liability?

I can see this making personal budgeting more challenging, if you have many purchase mandates in-flight. Creating a budgeting system across manual and agentic systems is an open opportunity.