Visa, Mastercard, and Ripple Back x402 Standard for AI Agent Stablecoin Payments
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A coalition of global payments companies, blockchain firms and technology providers has launched the x402 Foundation , an open-governance body under the Linux Foundation that aims to establish a universal payment standard for AI agents and internet applications. The initiative brings together more than 40 founding organizations, including Visa, Mastercard, Ripple, Coinbase, Google, Amazon Web Services (AWS), Stripe, Circle, Shopify, American Express, Adyen, Cloudflare, Fiserv, and several blockchain foundations. Together, they will oversee the development of the x402 protocol. This open standard enables AI agents , APIs and applications to send and receive payments directly over HTTP using payment methods ranging from cards to stablecoins. Linux Foundation x402 member announcement. Source: Linux Originally developed by Coinbase and contributed to the Linux Foundation, the x402 protocol revives the long-unused HTTP 402 “Payment Required” status code, allowing software applications to negotiate and settle payments natively across the internet without relying on traditional account-based payment systems. Announcing the launch, Jim Zemlin, Executive Director of the Linux Foundation, said: He added that the Foundation marks an important milestone toward creating “an open, community-governed standard for payments over HTTP.” Rather than creating another payment network, x402 establishes a common protocol that allows applications to request and settle payments as part of a normal HTTP interaction. Developers can choose from multiple payment methods, including payment cards and stablecoins, while maintaining interoperability across providers. Among the most notable new members is Ripple , which joined the Foundation as a Premier Member, with support for XRP and RLUSD for AI payments. Ripple said the move reflects growing demand for payment infrastructure capable of supporting autonomous software. The blockchain company also added that developers can use the XRP Ledger together with x402 to enable AI agents to send and receive payments using either XRP or the company’s U.S. dollar-backed stablecoin, RLUSD . Additionally, the x402 launch highlights how stablecoins are increasingly being positioned as infrastructure not only for people, but also for machines. Instead of requiring subscriptions, invoices or API keys, x402 allows software agents to purchase computing resources, premium APIs, cloud services or digital content on a pay-per-use basis through programmable payments embedded directly into internet requests. The protocol supports settlement using stablecoins alongside traditional payment rails, making it suitable for high-frequency, low-value machine-to-machine transactions. Moreover, the formation of the x402 Foundation comes as financial institutions race to build infrastructure for AI-driven commerce. Related: Ripple Stakes Its Claim on Britain’s £33B Gamble In recent months, payment companies have increasingly announced products designed for autonomous software, including Mastercard’s Agent Pay for Machines, while stablecoin issuers and blockchain networks have accelerated efforts to support machine-to-machine payments. Whether x402 ultimately becomes the dominant protocol remains uncertain. However, the participation of global payment networks, cloud providers and leading crypto companies signals growing confidence in autonomous AI commerce. TAGS Linux Foundation , MasterCard , ripple , Visa , x402
AI 시장 분석
Over 40 global firms including Visa, Mastercard, and Ripple have established the x402 Foundation, an AI agent payment standard, under the Linux Foundation. By leveraging the HTTP 402 status code, the foundation builds infrastructure for AI to perform direct payments, integrating stablecoins with traditional card payments. This is expected to accelerate standardization in machine-to-machine payments, creating new revenue models for the finance and blockchain industries.
상승 영향
- Blockchain — Major blockchain firms like Ripple participating in AI payment standards expand real-world use cases for stablecoins and XRP into machine-to-machine markets, increasing network value.
- Fintech — As Visa and Mastercard lead the AI agent payment standard, payment fee revenue models in automated commerce environments will be strengthened, solidifying their market dominance.
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