BNB Chain adds new payment architecture via Google Cloud

BNB Chain, Binance Pay, and Google have launched a joint initiative built on Google Cloud’s infrastructure, Binance Pay’s transaction tools, and BNB Chain’s blockchain network for efficient agentic commerce payments.

According to the partnership’s announcement made through BNB Chain’s LinkedIn feed on Monday, the collaboration will add Binance to a select group of companies working directly with Google Cloud within a framework known as the Agent Payments Protocol. 

As reported by Cryptopolitan, Google introduced the Agent Payments Protocol (AP2) in mid-September as an open and interoperable network that uses AI agents to start and complete payments in compliance with industry standards and regulations. 

AP2 can operate as an extension of the existing Agent2Agent protocol and the Model Context Protocol, where automated systems communicate through different layers of the digital commerce stack.

BNB Chain adds new payment architecture via Google Cloud

According to the organizations involved, the project will include communication between a Model Context Protocol and the Agent Payments Protocol. Binance said it would be the first time the issuer is included when receiving a payment mandate. 

Many companies are preparing for AI systems that can make purchases, manage subscriptions or handle invoice payments without direct human input. In one example of the system’s security features, if a merchant requests $50 but the mandate authorizes only $10, Binance Pay users can reject the overage request to protect their funds. 

The companies believe in allowing the issuer to receive mandates directly, and they are supposedly attempting to strengthen the decision-making process around AI-led transactions. 

During its AP2 launch in September, Google said more than 60 organizations are participating in the development of AP2, like Adyen, American Express, Ant International, Coinbase, Etsy, Intuit, JCB, Mastercard, Mysten Labs, PayPal, Revolut, Salesforce, ServiceNow, UnionPay International, and Worldpay. 

“Google’s Agent Payments Protocol (AP2) is a critical step forward in building a secure, interoperable ecosystem for agentic AI payments. This protocol gives businesses and consumers the confidence to delegate tasks to AI agents, aligning with our mission to build the future of finance by empowering businesses globally,” said Jacob Dai, Co-Founder and CTO at Airwallex.

When asked about how the new protocol could aid the cause of AI agent payment platforms, American Express’s Digital Labs executive vice president Luke Gebb said AP2 would bring trust in how AI systems interact with payment networks. 

“American Express is excited to contribute to the creation of AP2 as a protocol intended to protect customers and enable participation in the next generation of digital payments,” said Luke Gebb.

Mastercard also joins AI payments platform train

Binance’s inclusion in agentic payments comes just five days after Mastercard launched its Agent Pay program, an initiative to support scalable AI-driven transactions on its network. Its partners include Bemobi, Checkout.com, Davivienda, Evertec, Getnet, Inti, MagaluPay, and Yuno.

Mastercard introduced the Agent Pay Acceptance Framework a month after Google did, around October 14. The system is intended to govern interactions between AI agents and merchants, making sure every automated payment has verification and tokenization requirements. 

Executives at Mastercard say the company is looking at the model as a way to improve digital commerce in regions where AI adoption is accelerating. At the Innovation Program event held in Portugal in November, the company said Agent Pay will debut in Latin America and the Caribbean within the first quarter of 2026.  

“Agentic payments are a new chapter in the evolution of commerce, one where AI empowers people and businesses to do more, with greater simplicity and confidence,” said Guida Sousa, Senior Vice President for Digital Payments in Latin America and the Caribbean at Mastercard.

She also mentioned that the company’s work with partners will help scale these experiences in the LATAM economic region.

Davivienda, one of the first financial institutions integrating with Agent Pay, reiterated that message, saying: “We see Agent Pay as a way to strengthen the entire payment ecosystem. By partnering with Mastercard, we’re ensuring that every agent-driven transaction is transparent and secure enough for merchants and consumers, so they’d have more confidence to embrace this new era of commerce,” noted Payments Vice President Laura Gómez Gutiérrez.

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