Stripe的人工智能主管：人工智能代理将如何购买、出售和支付
Stripe's AI Chief: How AI Agents Will Buy, Sell, and Pay
The MAD Podcast with Matt TurckPodcast2026-07-09
互联网准备好让人工智能代理接管我们的钱包并经营自己的业务了吗？在The MAD播客的本期节目中，Stripe的Emily Sands揭示了代理商业如何从假设的概念迅速转变为部署的金融基础设施。从对抗代币盗窃日益严重的生存威胁到解决“氛围部署”的瓶颈，Emily解开了安全扩展自主数字买家所需的共享支付代币和实时计费系统，并强调了不久的将来，代理商将作为独立的端到端微型公司运营。(00：00）-冷开与简介（01：24）-代理电子商务的兴起（02：11）-代理主导的购买范围（03：16）-商户如何适应人工智能驱动的商务（05：50）-定义人工智能购物的自主性水平（07：08）-什么是代理电子商务协议（AEP）？(08：49）-共享支付代币和安全人工智能交易（09：58）-谁正在采用代理电子商务协议？(11：38）-代理商可以谈判和销售产品吗？(13：32）-人工智能代理的宏观经济影响（14：46）-个体创业者的繁荣和人工智能驱动的业务创建（16：56）-为什么建立信任是人工智能商务的最大障碍（20：19）-Link钱包如何提高支付安全性（21：21）-改善人工智能购物应用程序的用户体验（23：16）-Link钱包如何为人工智能代理设置护栏（25：40）-一次性虚拟卡与灵活的人工智能钱包（28：03）-拆开共享支付代币原始数据（29：59）-稳定币如何实现有利可图的人工智能微交易（35：03）-管理责任：如果代理失控，谁有错？(36：38）-为什么代理支付可能比人工交易更安全（37：41）-什么是Vibe部署？(40：13）-为什么Stripe为代理部署构建Stripe项目（41：22）-为什么Stripe关心编排应用程序部署（42：50）-代币如何打破传统的SaaS计费模式（44：34）-为什么人工智能公司正在转向混合和基于使用的计费（47：15）-流媒体支付
原文
Is the internet ready for AI agents to take over our wallets and run their own businesses? In this episode of The MAD Podcast, Stripe's Emily Sands reveals how agentic commerce is rapidly shifting from a hypothetical concept to deployed financial infrastructure. From combating the rising existential threat of token theft to solving the bottleneck of "vibe deployment", Emily unpacks the shared payment tokens and real-time billing systems required to securely scale autonomous digital buyers and highlights a near future where agents operate as independent, end-to-end micro-firms.(00:00) — Cold open & Intro(01:24) — The rise of agentic e-commerce(02:11) — The spectrum of agent-led purchases(03:16) — How merchants adapt to AI-driven commerce(05:50) — Defining the levels of autonomy in AI shopping(07:08) — What is the Agent E-Commerce Protocol (AEP)?(08:49) — Shared payment tokens and secure AI transactions(09:58) — Who is adopting the Agent E-Commerce Protocol?(11:38) — Can agents negotiate and sell products?(13:32) — The macroeconomic impact of AI agents(14:46) — The boom of solopreneurs and AI-driven business creation(16:56) — Why building trust is the biggest roadblock for AI commerce(20:19) — How link wallets improve payment security(21:21) — Improving the user experience in AI shopping apps(23:16) — How the Link Wallet sets guardrails for AI agents(25:40) — One-time use virtual cards vs flexible AI wallets(28:03) — Unpacking the shared payment token primitive(29:59) — How stablecoins enable profitable AI microtransactions(35:03) — Managing liability: Who is at fault if an agent goes haywire?(36:38) — Why agent payments might be safer than human transactions(37:41) — What is Vibe Deployment?(40:13) — Why Stripe built Stripe Projects for agent deployment(41:22) — Why Stripe cares about orchestrating app deployments(42:50) — How tokens break the traditional SaaS billing model(44:34) — Why AI companies are moving to hybrid and usage-based billing(47:15) — Streaming payments and real-time token tracking(48:42) — The massive data challenge for AI company accountants(50:41) — Token theft: The fastest-growing fraud in the AI economy(52:04) — The cottage industry of free trial and multi-account abuse(54:16) — How fraudsters monetize stolen AI tokens on the dark web(01:00:06) — How Stripe Radar uses network density to fight AI fraud(01:01:15) — Tempo's role in the Agent E-Commerce Protocol(01:04:12) — The AI startup ecosystem is accelerating business creation(01:09:01) — The token cost shock: Are buyers getting carried away?(01:11:19) — 2026 Predictions: Agents running businesses end-to-end