图片来源： Airwallex 经过产品化应用、商业化试点两大阶段，金融科技与 AI的深度融合已迈入规模化落地阶段。 今年以来， AI在金融领域的角色发生了质变：7月，OpenAI发布的ChatGPT智能体已能胜任入门级投行分析师任务，而Google于9月推出的AP2协议则让AI 智能体能直接完成支付。AI正从辅助工具逐步蜕变为主动创造价值的"新经济主体"。 观察资本动向，金融科技行业变革的核心同样聚焦 AI。 12月8日，Airwallex空中云汇继今年5月后再次宣布获得新一轮3.3亿美元G轮融资，投后估值达 80 亿美元，较六个月前 F 轮融资时上涨近 30%。 本次融资 由Addition领投，T. Rowe Price、Activant、Lingotto、Robinhood Ventures和 TIAA Ventures等全球顶级资本参与投资。 图片来源： Airwallex 半年之内吸引两轮数亿美元投资，让空中云汇这家成立了 10年的企业，在金融科技投资整体趋于谨慎的2025年，一跃成为该领域最受关注的企业之一。空 中云汇宣布，此次融资将推动其AI 领域招聘规模与产品研发力度。据了解，空中云汇不久前 ...

Core Viewpoint - Google and Coinbase have launched a new protocol called AP2 (Agentic Payments Protocol) aimed at enabling AI agents to make secure payments autonomously [1][2]. Group 1: Challenges Addressed by AP2 - The emergence of AI agents capable of executing complex tasks raises concerns about how these agents can safely handle payments [3]. - Google identifies three core challenges in AI payments: Authorization, Authenticity, and Accountability [4][7]. - Without a unified standard, the market could become chaotic and insecure, which AP2 aims to address by providing an open solution [7]. Group 2: Mechanism of AP2 - AP2 introduces a concept called "Mandate," which acts as a verifiable authorization step before payment is made, ensuring that user intent is accurately captured and protected [8]. - The protocol transforms the traditional "click to buy" model into a more rigorous "contractual dialogue" model, binding user intent, AI actions, and final payments together [8]. Group 3: Use Cases of AP2 - AP2 is designed for two main scenarios: real-time purchases where the user is present and delegated purchases where the user is not present [12]. - In real-time purchases, users must confirm and sign off on a shopping cart before AI can complete the payment [12]. - In delegated purchases, users provide pre-authorization for AI to act on their behalf under specified conditions [12][13]. Group 4: Role of Coinbase - Coinbase plays a crucial role by integrating cryptocurrency, particularly stablecoins, into the AP2 protocol, allowing AI agents to have their own wallets [14][15]. - This integration addresses the challenge of AI agents lacking legal identities to open traditional bank accounts, facilitating efficient micro-payments between AI agents [15]. Group 5: Ecosystem and Support - The AP2 protocol is supported by over 60 leading companies across various sectors, including traditional payment giants and blockchain firms, ensuring compatibility with multiple payment methods [17][21]. - This broad collaboration aims to prevent fragmentation of technology standards and promote interoperability for future smart commerce [21]. Group 6: Future Implications - The introduction of AP2 paves the way for the "Agent Economy," where AI can autonomously handle complex tasks and transactions, enhancing user experience and creating new business models [22][23]. - While still in early stages, the protocol's potential impact on shopping and service delivery is significant, allowing users to delegate complex tasks to AI [23].