Agents can do work for you now — but can they spend money for you? Alipay's answer: yes, and it has already processed 300 million transactions.

Alipay has just unveiled its AI payments "full suite": the world's first Token Pay service and AI Wallet product, joining the existing AI Pay and AI Collect to form a full-stack AI-native payment system covering authorization, payment, settlement, management, and security. This is not a concept — these are shipped products.

The Four Core Products

AI Pay: Letting Users Trust Agents with Spending

The core problem AI Pay solves is "trust". Not users spending without noticing, but users delegating authority to an Agent with peace of mind.

A four-layer architecture: ecosystem connection, authorization control, transaction execution, and trust governance.

Key numbers:

• Agent AI Pay transaction count has passed 300 million
• Supports 95% of mainstream agent frameworks on the market (Claw-style tools, Codex, Claude Code, Hermes, and more)
• The funds-loss rate is down to one in 100 million
• Usage steps cut from four to one

Full device coverage: phones, glasses, earbuds, watches, and car systems, supporting AI password payment, AI password-free payment, AI face payment, and other methods.

AI Collect: Letting Agents Shop at Your Store

If you are a merchant, once you integrate AI Collect, Agents across the internet can come buy your goods. This solution can also turn personal experience into tradable intelligent services. One mom packaged her parenting experience into an intelligent service and earned her first money through automated Agent transactions.

Two tools for developers:

• Integration Skill: Integrate Alipay into your AI with a single sentence
• Alipay CLI: A sandbox that AI can schedule and debug

Token Pay: A Model Payment Solution

Currently the market's only model payment solution, built on subscriptions. Token Pay can lift a model's subscription success rate by 70%. It also launched a Claw Token top-up solution that supports authorized-payment top-ups — charge as you use.

Two plans:

• To C plan: Covers user acquisition, retention, churn win-back, globalization, and similar scenarios
• To B plan: Multi-seat customization, payment and invoicing settled together, and financial reconciliation

AI Wallet: Manageable and Controllable End to End

AI Wallet lets users authorize Agent payments, manageable, auditable, and controllable throughout:

• Before payment: Intent authorization management that draws the boundaries
• During payment: 24-hour task execution monitoring and risk alerts
• After payment: Smart spending management on AI bills

The security pledge carries forward Alipay's 20-year "you dare to pay, we dare to compensate" principle.

Developer Incentives

Alipay has also launched an AI developer incentive program:

• Up to 5000 yuan in monthly Token compute subsidies
• AI Collect is completely commission-free for individuals, with 40% off enterprise activation
• Supply brought in from 9 major scenarios (Alipay Membership, Daily Flash Sales, movie tickets, ride-hailing, and more)

Who It Is For

• Agent developers: Need to add payment capability to an Agent — AI Pay's API interfaces connect directly
• Model providers: Token Pay solves users' subscription payment problem
• Merchants: Integrate AI Collect and let Agents across the internet become your new traffic entry point
• Individual users: AI Wallet manages your Agent's spending behavior and sets budget caps

This is currently the world's first AI-native payment infrastructure in large-scale commercial use. If you are building anything Agent-related, the payment link is a step you cannot get around, and Alipay's suite deserves attention.