Google's Agent 2 Payment (A2P) protocol: A breakthrough in Agentic Commerce

Google just dropped Agent 2 Payment (A2P) protocol and it might be the most important Agent commerce breakthrough yet. Here's how it works 👇 --- The problem with Agentic Commerce today: Today, iff your AI agent makes a purchase, there's no way to - Prove you actually authorized it - The merchant agreed to those exact terms - or what went wrong if there's a dispute. It's like having a credit card with no signatures, no receipts, and no transaction logs. --- Google's A2P creates a cryptographic handshake that proves intent: Here's how it works step by step. 1. You give intent: "Buy this $500 Goldeneye cartridge" 2. Agent queries merchant: Gets current price/availability 3. Merchant signs commitment: "Yes, I'll sell this exact item for $500" (cryptographically proven) 4. You approve payment: Via your device with biometrics/credentials 5. Your device signs mandates: Both the cart (what you're buying) AND payment authorization 6. Transaction processes: With full audit trail of who agreed to what Every step creates verifiable, cryptographic proof. No he-said-she-said disputes. --- The breakthrough isn't limited "buy now" transactions. Google created three types of mandates: 1️⃣ Human present (buy now): - Traditional checkout but with cryptographic signatures - You approve in real-time with biometrics - Creates unbreakable link between your intent and the purchase - Solves: "Did the user actually want this expensive item?" 2️⃣ Human not present (conditional): - Buy when price drops below $400" or "Buy when back in stock" - You cryptographically sign future purchase conditions - Merchant pre-commits to fulfill at those terms - Both signatures stored on-chain or in verifiable credentials - Solves: "How do we enable autonomous purchasing without constant human approval?" 3️⃣ Payment mandate: - Banks/processors get visibility into the signed intents - They can see exactly what the user approved vs what's being charged - Creates new fraud protection possibilities - Solves: "How do payment networks protect users from rogue AI agents?" --- It's open source: - This uses W3C Verifiable Credentials - It's published on Github - Anyone can use it More importantly, it works across ANY payment rail: - Cards - ACH - Wire - UPI - Stablecoins --- Who's behind it and will it scale? 60 partners including: Mastercard Adyen Coinbase Intuit Visa, Amazon, Microsoft, OpenAI and Anthropic notably absent. We still have to solve: how do AIs find merchants?, prompt injection security, and UX for managing intent mandates. Google built the foundational rails. Someone else will build the user experience. Maybe you? What's the biggest barrier to trusting AI with your money?

Google just dropped Agent 2 Payment (A2P) protocol and it might be the most important Agent commerce breakthrough yet. Here's how it works 👇 --- The problem with Agentic Commerce today: Today, iff your AI agent makes a purchase, there's no way to - Prove you actually authorized it - The merchant agreed to those exact terms - or what went wrong if there's a dispute. It's like having a credit card with no signatures, no receipts, and no transaction logs. --- Google's A2P creates a cryptographic handshake that proves intent: Here's how it works step by step. 1. You give intent: "Buy this $500 Goldeneye cartridge" 2. Agent queries merchant: Gets current price/availability 3. Merchant signs commitment: "Yes, I'll sell this exact item for $500" (cryptographically proven) 4. You approve payment: Via your device with biometrics/credentials 5. Your device signs mandates: Both the cart (what you're buying) AND payment authorization 6. Transaction processes: With full audit trail of who agreed to what Every step creates verifiable, cryptographic proof. No he-said-she-said disputes. --- The breakthrough isn't limited "buy now" transactions. Google created three types of mandates: 1️⃣ Human present (buy now): - Traditional checkout but with cryptographic signatures - You approve in real-time with biometrics - Creates unbreakable link between your intent and the purchase - Solves: "Did the user actually want this expensive item?" 2️⃣ Human not present (conditional): - Buy when price drops below $400" or "Buy when back in stock" - You cryptographically sign future purchase conditions - Merchant pre-commits to fulfill at those terms - Both signatures stored on-chain or in verifiable credentials - Solves: "How do we enable autonomous purchasing without constant human approval?" 3️⃣ Payment mandate: - Banks/processors get visibility into the signed intents - They can see exactly what the user approved vs what's being charged - Creates new fraud protection possibilities - Solves: "How do payment networks protect users from rogue AI agents?" --- It's open source: - This uses W3C Verifiable Credentials - It's published on Github - Anyone can use it More importantly, it works across ANY payment rail: - Cards - ACH - Wire - UPI - Stablecoins --- Who's behind it and will it scale? 60 partners including: Mastercard Adyen Coinbase Intuit Visa, Amazon, Microsoft, OpenAI and Anthropic notably absent. We still have to solve: how do AIs find merchants?, prompt injection security, and UX for managing intent mandates. Google built the foundational rails. Someone else will build the user experience. Maybe you? What's the biggest barrier to trusting AI with your money?

The long-awaited Mobile Banking Report of 2025 is finally here. Hardcoded secrets, outdated libraries, weak encryption, excessive permissions. Many apps still ship with real-world, exploitable vulnerabilities. The shocking part? Over 50% of apps expose hardcoded cloud credentials. Nearly 1 in 10 haven’t been updated in two years. 46% rely on outdated libraries with known CVEs. And over 28% of apps suffer from biometric bypass flaws, leaving critical authentication flows exposed. Our analysis of the 500 largest mobile banking apps shows the truth banks would rather not talk about: updates alone are not security. Attack surfaces are growing, dependencies are rotting, and attackers are moving faster now, powered by AI, deepfakes, and automated fraud kits.           👉 Read the full Banking Report 2025 here:

Understanding 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 and 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲 by Pomelo👇 𝐃𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 𝐨𝐟 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬: ► Tokenization replaces sensitive card details with a unique, randomly generated token, ensuring that actual card data is never exposed during transactions. — 𝐏𝐮𝐫𝐩𝐨𝐬𝐞 𝐨𝐟 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 ► The main goal of Tokenization is to prevent the exposure of sensitive card details, reducing the risk of fraud and unauthorized transactions. — 𝐁𝐞𝐟𝐨𝐫𝐞 𝐚𝐧𝐝 𝐖𝐢𝐭𝐡 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐁𝐞𝐟𝐨𝐫𝐞 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 (𝐓𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬) ► Users enter card details (Card Number, CVV, Expiry Date). ► These details are sent to the merchant and payment processor. ► Security Concern: Hackers can intercept and steal this data. 𝐖𝐢𝐭𝐡 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 (𝐒𝐞𝐜𝐮𝐫𝐞𝐝 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬) ► Users enter card details only once, which are securely stored as a token. ► The token replaces the card number in all future transactions. ► Even if intercepted, tokens are useless outside the payment system. ► Security Benefit — No exposure of real card data. — 𝐓𝐡𝐞 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐏𝐫𝐨𝐜𝐞𝐬𝐬 1️⃣ 𝐂𝐚𝐫𝐝 𝐃𝐞𝐭𝐚𝐢𝐥𝐬 𝐂𝐚𝐩𝐭𝐮𝐫𝐞𝐝 ► The customer inputs their card information at checkout. 2️⃣ 𝐓𝐨𝐤𝐞𝐧 𝐆𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧 ► A unique token is created, replacing sensitive card data. There are several type of tokens — Merchant, PSP, Network Tokens etc... 3️⃣ 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 𝐰𝐢𝐭𝐡 𝐓𝐨𝐤𝐞𝐧 ► The token is used instead of card details during payment. 4️⃣ 𝐒𝐞𝐜𝐮𝐫𝐞 𝐌𝐚𝐭𝐜𝐡𝐢𝐧𝐠 ► Only authorized payment networks can map tokens back to the original card during settlement. — 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬 𝐨𝐟 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 ► 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐖𝐚𝐥𝐥𝐞𝐭𝐬 – Securely store and use cards without exposing sensitive data when making payments via phone, smartwatch, or any smart device. ► 𝐄-𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 – Reduces fraud risk by replacing real card details with a token for each transaction. ► 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐩𝐭𝐢𝐨𝐧𝐬 & 𝐑𝐞𝐜𝐮𝐫𝐫𝐢𝐧𝐠 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 – Ensures seamless and secure payments, preventing service interruptions due to card expiration or changes. — Source: Arthur Bedel : https://lnkd.in/dm6cjgG8 Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]

Understanding 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 and 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲 by Pomelo👇 𝐃𝐞𝐟𝐢𝐧𝐢𝐭𝐢𝐨𝐧 𝐨𝐟 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬: ► Tokenization replaces sensitive card details with a unique, randomly generated token, ensuring that actual card data is never exposed during transactions. — 𝐏𝐮𝐫𝐩𝐨𝐬𝐞 𝐨𝐟 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 ► The main goal of Tokenization is to prevent the exposure of sensitive card details, reducing the risk of fraud and unauthorized transactions. — 𝐁𝐞𝐟𝐨𝐫𝐞 𝐚𝐧𝐝 𝐖𝐢𝐭𝐡 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐁𝐞𝐟𝐨𝐫𝐞 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 (𝐓𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬) ► Users enter card details (Card Number, CVV, Expiry Date). ► These details are sent to the merchant and payment processor. ► Security Concern: Hackers can intercept and steal this data. 𝐖𝐢𝐭𝐡 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 (𝐒𝐞𝐜𝐮𝐫𝐞𝐝 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬) ► Users enter card details only once, which are securely stored as a token. ► The token replaces the card number in all future transactions. ► Even if intercepted, tokens are useless outside the payment system. ► Security Benefit — No exposure of real card data. — 𝐓𝐡𝐞 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐏𝐫𝐨𝐜𝐞𝐬𝐬 1️⃣ 𝐂𝐚𝐫𝐝 𝐃𝐞𝐭𝐚𝐢𝐥𝐬 𝐂𝐚𝐩𝐭𝐮𝐫𝐞𝐝 ► The customer inputs their card information at checkout. 2️⃣ 𝐓𝐨𝐤𝐞𝐧 𝐆𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧 ► A unique token is created, replacing sensitive card data. There are several type of tokens — Merchant, PSP, Network Tokens etc... 3️⃣ 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 𝐰𝐢𝐭𝐡 𝐓𝐨𝐤𝐞𝐧 ► The token is used instead of card details during payment. 4️⃣ 𝐒𝐞𝐜𝐮𝐫𝐞 𝐌𝐚𝐭𝐜𝐡𝐢𝐧𝐠 ► Only authorized payment networks can map tokens back to the original card during settlement. — 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬 𝐨𝐟 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 ► 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐖𝐚𝐥𝐥𝐞𝐭𝐬 – Securely store and use cards without exposing sensitive data when making payments via phone, smartwatch, or any smart device. ► 𝐄-𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 – Reduces fraud risk by replacing real card details with a token for each transaction. ► 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐩𝐭𝐢𝐨𝐧𝐬 & 𝐑𝐞𝐜𝐮𝐫𝐫𝐢𝐧𝐠 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 – Ensures seamless and secure payments, preventing service interruptions due to card expiration or changes. — Source: Arthur Bedel : https://lnkd.in/dm6cjgG8 Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]