💸 Mastercard launches Agent Pay for Machines (AP4M), an open protocol enabling direct interaction between AI agents

💸 Mastercard launches Agent Pay for Machines (AP4M), an open protocol enabling direct interaction between AI agents

Among the payment network’s partners in this launch are cryptocurrency exchanges OKX, Coinbase and Ripple, blockchain project Polygon, platform Solana, and the DeFi protocol Aave.

💳 The service is built on the Mastercard Agent Pay program, launched in 2025, and provides an AI-powered infrastructure designed to scale high-frequency payments with low latency and optimized costs. While Agent Pay defines how trusted AI agents can participate in payment operations, AP4M enables automated microtransactions that run continuously in the background.

💳 The solution can be integrated across multiple commercial environments and supports four core functions: authorization, permission management, transaction execution and payment settlement. Organizations can establish programmable authorization rules and spending limits.

💳 Settlements can be processed through different payment methods, ranging from traditional cards to stablecoins.

💳 Aave, meanwhile, focuses on innovation in decentralized lending and credit infrastructure. Its proposal aims to enable a liquidity access model for autonomous agents, allowing them to execute operations at speeds beyond traditional manually managed credit systems.

💳 As a result, the DeFi protocol makes it possible to provide clients with baseline credit capacity and liquidity access for capital optimization with high operational speed.

💳 Within this ecosystem, Mastercard acts primarily as an infrastructure provider. The announcement of agent-based payments may indicate a strategic shift toward more integrated financial solutions.

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