At the “Zhi·New Era” launch event, Alipay announced its full entry into the AI-powered payments era, introducing four core products tailored for AI Agent scenarios.
AI Pay — Simplifying Every Transaction
It features a four-tier architecture: Trust Governance Layer (Agent transaction logs, risk control, anomaly detection, dispute resolution, liability determination); Transaction Execution Layer (payment initiation/confirmation, fund routing, refunds/cancellations); Authorization Control Layer (task budgeting, authorization rules, Agent permission management, personalized policies); and Ecosystem Connectivity Layer (service integration, capability marketplace, developer tools). Key upgrades include reducing payment steps from four to just one; support for 12 scenarios and three types of authorization; and AI-driven risk control keeping financial losses to under one in 100 million cases. For developers, Alipay offers “Integration/Skill Onboarding” (one-click integration) and “Alipay CLI” (an AI-schedulable sandbox), enabling seamless onboarding, access to nine product capabilities, and immediate deployment across major platforms.
AI Collect — Empowering All Industries
This solution caters to diverse sectors such as digital content, physical goods, in-store/out-of-home services, travel/ticketing, local bookings, data retrieval, search services, API provision, computing resources, SaaS software, MCP tools, Agent services, and Skill development — establishing a comprehensive payment infrastructure for the AI age.
Token Pay — The Sole End-to-End Model Payment Platform
Designed specifically for scenarios where AI models initiate payments independently, Token Pay delivers subscription-based plans (boosting success rates by 70%) and Claw Token top-up options (authorized payment reloads). It remains the only dedicated payment solution built for model-level operations worldwide.
Tap-to-Access Agent Ecosystem
Leveraging the ubiquitous “Tap” feature, this ecosystem links consumers (via AI glasses in transit/work/school/communities/malls), merchants (using multimodal AI terminals with voice/screen interfaces), and brands (through AI business agents). It also hosts an open Agent resource library integrating Alipay’s marketing tools like promotional coupons, trending product campaigns, Taobao Flash Sale, and Amap’s incident tracking services.