Singapore-based Ant International introduced the Agentic Mobile Protocol on April 28, 2026, a fully open-sourced payment framework designed to integrate AI agents with digital wallets, super apps, and mobile payment services across Asia and global markets. The protocol targets the region’s fragmented payment landscape and positions itself as foundational infrastructure for the emerging agentic commerce economy, where AI systems autonomously execute transactions on behalf of users.
Key Facts At A Glance
- Ant International launched the Agentic Mobile Protocol (AMP) on April 28, 2026, from Kuala Lumpur, Malaysia
- AMP is described as the world’s first agentic payment framework designed specifically for mobile interfaces, including digital wallets, super apps, and wearable devices
- The protocol has been fully open-sourced to establish a universal, auditable standard for AI-driven transactions
- Ant International’s Alipay+ network spans more than 40 wallet partners, covering approximately 1.8 billion user accounts and 150 million merchants worldwide
- AMP reduces the number of integration steps required to link a payment agent to a digital wallet by 50% compared to traditional card-binding methods, according to the company
- The global agentic commerce market is projected to reach approximately US$28 billion by 2030, growing at a 46% compound annual growth rate, according to projections cited by the company
- Ant International is among the first partners of Mastercard and Visa to pilot card-based transaction capabilities for AI agents, and is collaborating with Google on agentic commerce and payment protocols
A New Payment Layer For The AI Commerce Era
Ant International, the Singapore-headquartered digital payments and financial technology subsidiary operating under the broader Alibaba ecosystem, announced on April 28, 2026, the introduction of the Agentic Mobile Protocol, positioning the framework as the first purpose-built payment infrastructure for AI-driven transactions on mobile interfaces.
The launch was announced from Kuala Lumpur and distributed globally, reflecting the company’s intent to establish AMP as a regional and international standard rather than a proprietary tool. The protocol is designed to integrate across digital wallets, banking applications, super apps, and mobile portals spanning devices from smartphones to smartwatches, augmented reality glasses, and in-vehicle systems.
The protocol’s open-source design is central to Ant International’s strategy. By making AMP publicly available, the company is seeking to position the framework as an industry-wide standard that allows large language model platforms, AI agent developers, and merchants to connect payment functionality directly into their workflows without requiring system overhauls.
Addressing The Fragmentation Problem In Asian Payments
Southeast Asia presents a structurally complex payment environment, with hundreds of local digital wallets, more than a dozen national payment schemes, and significant variation in regulatory requirements across markets including Singapore, Indonesia, Malaysia, Thailand, the Philippines, and Vietnam.
AMP addresses this environment by enabling AI agents to transact across this fragmented infrastructure through a single integration point. According to Ant International, the protocol reduces the number of steps required to connect a payment agent to a digital wallet by 50% compared to traditional card-binding methods.
The protocol also incorporates cross-device compatibility, allowing payment agents to function across smartphones, smartwatches, AR glasses, and in-car systems, a capability the company states is absent in card-based systems. An agent-to-agent settlement function is included to handle high-frequency, low-value micro- and nano-transactions between AI systems.
Trust Architecture And Consumer Protections
A key design element of AMP is its approach to trust and accountability in AI-driven transactions. The protocol includes a “Know Your Agent” framework, which establishes digital identities for AI agents and assesses their trustworthiness through a risk management system. Users retain full visibility into agent-initiated transactions and can revoke or modify payment permissions at any time.
Every agent-initiated transaction is backed by a money-back guarantee mechanism for payment partners in the event of account takeovers, a measure Ant International has framed as essential given the security risks inherent in delegating financial authority to autonomous systems.
Ant International is piloting card-based transaction capabilities for AI agents with both Mastercard and Visa, and is collaborating with Google on broader protocols for agentic commerce and payments, according to the company announcement.
Ecosystem Scale And Regional Implications
Ant International’s Alipay+ network, which serves as the primary implementation environment for AMP, encompasses more than 40 digital wallet partners covering approximately 1.8 billion user accounts and 150 million merchants globally. The Asia-Pacific region accounted for 24.5% of global agentic commerce revenue in 2025, according to figures cited by the company, making it the fastest-growing market for AI-driven transactions.
Digital wallets are expected to account for the majority of agentic commerce payment flows, given their near-universal adoption within super app ecosystems across Southeast Asia. The company projects global digital wallet users will exceed 6 billion, representing more than 75% of the global population, by 2030.
For Southeast Asia specifically, AMP’s open-source structure and wallet-native design are relevant to regulators and financial institutions formulating frameworks for agentic AI in financial services. Singapore’s Cyber Security Agency released guidance in late 2025 on securing agentic AI systems, signaling that regulatory attention to this area is already active in the region.