内容来源：https://aibusiness.com/agentic-ai/x402-agentic-payments-digital-dollars

内容总结：

谷歌云赞助发布：AI自主支付时代加速到来，x402协议推动智能体经济变革

随着生成式AI应用场景的不断拓展，如何让AI智能体实现真正自主的在线支付，成为行业关注焦点。近日，由Cloudflare与Coinbase共同发起的x402基金会正式成立，致力于推广开放式支付协议x402，旨在为AI智能体配备“数字钱包”，使其能够使用稳定币自主完成数据与服务采购，推动智能体经济走向规模化。

该协议以HTTP状态码“402（需支付）”命名，致力于建立一套基于数字美元的在线支付标准。它不仅允许AI智能体绕过传统信用卡体系进行自主交易，也为API开发者、内容创作者等线上服务提供者创造了新的盈利模式——在面对大语言模型及AI摘要功能冲击原有收入结构时，他们可通过该协议直接向使用其数据或产品的智能体收费。

Coinbase数字资产上市与服务副总裁Dan Kim指出，当前已有ChatGPT购物等AI辅助支付工具，但其仍需人工介入且基于存在泄露风险的信用卡体系。而x402协议支持的稳定币支付，不仅能降低交易费用和退款纠纷，更关键的是“让智能体成为自主的买卖方，在无需人工介入的闭环中完成交易”。

他以旅行规划为例：目前用户通过AI生成行程后，仍需手动预订机票酒店，可能错失AI发现的最佳优惠；若AI智能体获得授权直接支付，体验将彻底改变。

然而，智能体代表人类进行交易仍存在风险。Kim强调，除了技术协议，智能体经济的繁荣还需建立“可信智能体注册平台”，让内容与服务提供者能够甄别并服务可信的AI代理。目前此类平台虽尚未成熟，但已在建设进程中。

随着用户习惯从传统搜索引擎转向ChatGPT、Gemini等AI平台，x402协议为代表的支付创新，正为未来人机协作模式打开新的想象空间——一个由智能体自主完成搜索、决策与支付的全链条自动化时代，已渐行渐近。

中文翻译：

由谷歌云赞助
如何选择首个生成式AI应用场景
要启动生成式AI项目，首先应关注能够优化人类信息交互体验的领域。

x402协议允许数字代理使用稳定币自主支付数据和产品费用，从而突破传统支付方式的限制。
随着AI代理日益普及，所有人都在思考一个问题：它们何时能实现完全自主？新近成立的基金会押注这一愿景即将实现。

今年9月，Cloudflare与Coinbase联合创立了支持开放式支付标准x402的x402基金会。该协议以HTTP 402"需付款"状态码命名，为在线交易建立了支付标准，不仅推动数字美元成为可行货币，更为AI代理配备数字钱包实现自主支付创造了可能。

这一开放标准同时为API开发者、内容创作者等在线服务提供者带来新机遇——当大型语言模型和AI概览等功能颠覆传统盈利模式时，他们可通过该协议对产品进行收费。

"企业开始采用x402协议，正是因为（AI代理）正在抓取……内容。"Coinbase数字资产上市与服务副总裁Dan Kim表示。他补充说，将代理纳入标准不仅惠及内容创作者，也能让用户在线购物时无需暴露信用卡号。

尽管现有ChatGPT购物、ChatGPT即时结账等生成式AI代购服务，但Kim指出这些系统仍需人工介入且依赖存在安全隐患的信用卡体系。相比之下，数字美元或稳定币不仅能规避支付手续费，还能杜绝退单风险。

"这不仅是'用信用卡也能完成'的问题，而是思考'信用卡的局限性何在？数字美元如何创造更富趣味性、更强大、更吸引人、更具扩展性的体验？'尤其在人们越来越少使用搜索引擎，转而将ChatGPT或Gemini作为默认工具的当下。"Kim强调，"这不仅关乎购买能力，更意味着在无需人类介入的循环中，让AI代理成为自主的交易主体。"

Kim以旅行规划为例：若通过大语言模型制定行程后仍需手动预订机票酒店，可能会错失AI发现的特惠方案。而如果AI代理能直接代付，体验将截然不同。

不过Kim也指出，即便脱离信用卡体系，AI代理代行人类事务仍存在高风险，因此需要建立可信代理注册机制及类似AWS的开发平台，让开发者构建可信赖的代理。

"要让这种代理经济真正繁荣，不仅需要现有技术，更需要建立AI注册体系。作为网站运营者或内容所有者，你可以声明'我愿意向通过验证的可信代理提供服务，出售商品或数据'。"他解释道，"这种生态正在成长，但目前尚未完善，不过发展趋势已经显现。"

英文来源：

Sponsored by Google Cloud
Choosing Your First Generative AI Use Cases
To get started with generative AI, first focus on areas that can improve human experiences with information.
The x402 protocol allows digital agents to use stablecoins so that they can pay for data and products autonomously, moving beyond traditional payment methods.
As AI agents continue to grow in popularity, one question everybody is wondering: When will they reach full autonomy? A recently launched foundation is betting on soon.
In September, Cloudflare and Coinbase introduced the x402 Foundation, which supports the open payment standard x402. The protocol, named after the HTTP 402 payment required status code, is a payment standard for online-based exchanges, paving a path for digital dollars to become a viable currency and opening up the possibility for agents to be outfitted with wallets so that they can make autonomous payments.
The open standard also enables individuals or organizations with online-based services such as API developers or content creators, where the revenue paradigm has been turned upside down by large language models and features such as AI Overview, an opportunity to charge for their products.
"Businesses are now starting to adopt x402 because [agents are] scraping ... contents," said Dan Kim, vice president of digital asset listings and services at Coinbase. He added that having the agent as part of the standard is a benefit to content creators, but it also allows users to purchase products online without having to expose their credit card number.
Options currently exist that enable generative AI systems to make purchases on behalf of users such as ChatGPT Shopping or ChatGPT Instant Checkout, but Kim pointed out that a human has to be in the loop and that these systems are built around credit cards, which can be compromised.
Digital dollars or stablecoins, on the other hand, introduce a payment form that currently circumvents payment fees and chargebacks.
"It's not just about, 'Hey, I can do this with credit cards.' It's like, 'Well, what can't you do with credit cards and what can you do with digital dollars that is going to make that experience a lot more interesting, a lot more powerful, a lot more engaging, a lot more scalable in a world where people are already going to search engines a lot less, and going to ChatGPT or Gemini as their default," Kim said. "This is not just to be able to buy things, but to be able to allow agents to become autonomous buyers and sellers in a world where humans don't actually have to be in a loop and shouldn't have to be in a loop."
Kim pointed to an example of trip planning. If he interfaces with a large language model to develop an itinerary, he then has to take the extra steps to book the flight or the hotel and might miss out on whatever deal AI surfaced. The experience would be wholly different if Kim could instruct an agent to make payments on his behalf, he said.
However, even without credit cards, the risks of having agents work on human behalf are high, which is why there's a need for a trusted agent registry and platforms such as AWS where developers are building agents they can trust, Kim said.
"What's needed in order for this agentic economy to really flourish is not just the technology that exists, but the idea of this AI registry, where as an operator or owner operator of a site or owner of content, you, say, 'Look, I'll serve agents, either selling my goods or my data, but they need to be trusted,'" he said. "It's growing, but does that exist today? No, not yet. But it's happening."