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AI代理可以自己付錢？四大科技金融巨頭正爭奪AI支付堆疊

AI支付競賽其實唔係爭一個標準，而係爭控制AI支付堆疊唔同層：Coinbase做Web原生加密支付、Stripe做機器支付協調、Google做代理授權、Visa做商戶收款。 Coinbase x402將穩定幣付款直接嵌入HTTP請求；Stripe Machine Payments Protocol透過Tempo區塊鏈協調AI交易；Google AP2負責驗證代理是否獲用戶授權；Visa則建立商戶接受AI付款嘅基建。

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Conceptual diagram of AI agents interacting with payment networks like crypto rails, card networks, and protocol layers — What are the competing payment infrastructures being developed by Coinbase, Stripe, Google, and Visa to enable AI agents to autonomously makMajor technology and financial companies are racing to define the infrastructure that will allow AI agents to autonomously transact across the internet.
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Create a landscape editorial hero image for this Studio Global article: What are the competing payment infrastructures being developed by Coinbase, Stripe, Google, and Visa to enable AI agents to autonomously mak. Article summary: The short answer is that these companies are building different control points in the same emerging stack, not four identical systems. Based on what they’ve published, Coinbase is pushing an HTTP-native, stablecoin-first. Topic tags: general, general web, news, documentation, user generated. Reference image context from search candidates: Reference image 1: visual subject "Risk Disclosure: This website's content is not investment advice and offers no trading guidance or related services. Machines Pay, Humans Reap: Coinbase, Stripe, Google, and Visa B" source context "Machines Pay, Humans Reap: Coinbase, Stripe, Google, and Visa Battle… | Blockchain Industry Ori
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AI代理（AI agents）未來唔只會幫你搜尋資料或者寫程式——佢哋仲可能自己付錢買服務、數據同商品。

為咗實現呢種「AI自己做生意」嘅世界，一場關於**AI支付基建（AI payments stack）**嘅競賽已經開始。科技同金融公司正打造不同層嘅基礎設施，讓AI可以安全地發起同完成交易。

目前最受關注嘅四個方向，分別來自 Coinbase、Stripe、Google 同 Visa。佢哋並唔係做同一個系統，而係各自控制AI支付堆疊入面唔同嘅關鍵位置。

四種AI代理支付方案

Coinbase：x402 — 把付款直接變成Web請求一部分

Coinbase推出嘅 x402協議，核心概念非常簡單：把付款直接嵌入HTTP協議。

HTTP本身其實一直有個幾乎冇人用嘅狀態碼—— 402「Payment Required」。x402就係重新啟動呢個設計，讓網站或API可以直接要求付款。

基本流程如下：

AI代理或應用程式向API發送HTTP請求
伺服器回應 402 Payment Required 並附上付款要求
客戶端用錢包生成簽名付款（通常係穩定幣）
重新發送請求並附上付款證明
伺服器驗證付款後返回資源

由於整個流程都發生喺HTTP層，系統可以做到：

唔需要帳戶
唔需要登入
唔需要傳統結帳流程

呢種設計特別適合：

API按次收費
數據存取
AI服務調用
機器對機器交易

大多數情況下，付款會透過區塊鏈穩定幣結算，例如USDC，令**微支付（micropayments）**同自動化交易變得可行。

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