Google vs Stripe: начало конкуренции на рынке платежей через ИИ-агенты

cryptonews.ruPubblicato 2025-10-15Pubblicato ultima volta 2025-10-15

Вчера платежный гигант Stripe объявил о запуске нового платежного стандарта Agentic Commerce Protocol (ACP), который был разработан с OpenAI для коммерции между покупателями, ИИ-агентами и бизнесом.

ACP выпущен с открытым исходным кодом и может подключаться к любой коммерческой платформе и платежной инфраструктуре - компании создают интеграцию один раз и могут распространять её на любого совместимого ИИ-агента.

Этот стандарт используется в новой функции ChatGPT под названием Instant Checkout, которая позволяет пользователям в США покупать товары напрямую в чате.

Напомним, что свой протокол для платежей с ИИ-агентами ранее выпустил Google.

Давайте сравним предложения 2-х конкурентов:

1. Agent Payments Protocol (AP2) от Google:

Партнеры: 60+ торговцев и финансовых институтов
Фокус: традиционные платежи + криптовалюты
Интеграция с Coinbase, Metamask, Ethereum.

2. Agentic Commerce Protocol (ACP) от Stripe/OpenAI

Партнер: OpenAI (ChatGPT)
Фокус: традиционные платежи
Первая реализация: Etsy, Shopify продавцы.

Основные различия

Google идет дальше:
- Двухуровневая система одобрения — больше контроля для пользователя
- Поддержка стейблкоинов через протокол x402
AP2 это расширение более широкого протокола A2A (agent-to-agent).

Stripe проще:
- Одно одобрение на покупку
- Только традиционные платежи (пока). У Stripe все налажено со стейблкоинами.
- Более быстрый запуск с конкретным кейсом (ChatGPT).

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