当智能体开始替你花钱，你最担心什么？
9月11日，在2026 Inclusion·外滩大会上，蚂蚁集团CEO韩歆毅给出了他的答案：信任。他宣布，支付宝AI支付从"可支付"迈向"可信支付"，推出AI钱包智能体及三大"AI收"能力，为智能体商业构建底层信任基础设施。
AI钱包：你口袋里的"自己人"
AI钱包智能体是支付宝这次发布的核心产品。它的定位是用户在智能体世界里的"自己人"——掌握交易的完整上下文，在确认交易符合用户授权、完成风险识别后，才执行最终支付。
这不是简单的自动扣款。传统支付是"你点一下，我扣一笔"；AI支付是"智能体判断你要花钱，我先替你把关，确认没问题再付"。这中间的信任链，就是APASS商业信任基础设施的核心。
基于KYA（Know Your Agent）理念，APASS建立了"身份+行为"双重信任链：对智能体身份、意图、授权进行持续核验。如果智能体越权，系统会拒绝交易并留下可追溯凭证。近期，Visa、Mastercard正与Alipay+探索KYA框架的互联互通。
三大AI收：Vibe Pay、Skill Pay、Machine Pay
除了AI钱包，支付宝还推出了三大"AI收"能力，覆盖不同场景：
Vibe Pay：面向AI应用创造场景，让AI应用的创造者能够直接从AI交互中获得收入。
Skill Pay：面向Skill服务商，把支付环节嵌入Skill的调用和交付流程。你的产品是一个可被Agent调用的Skill，用户使用时自动完成收费。
Machine Pay：面向机器互联场景，让机器狗、AI眼镜、AI耳机等物理设备也能完成支付。千问AI眼镜、未来智能AI耳机及高德动量机器狗"途途"已接入AI支付，实现"看一下"或语音下单。
1000万基金：支付宝的生态豪赌
为了加速生态建设，韩歆毅宣布支付宝面向生活智能体开发者设立1000万元发展基金，年度单项最高奖励100万元。
这个信号很清楚：支付宝不想只做支付通道，它想成为智能体商业的基础设施。韩歆毅预测，未来5年内更自然的新交互支付占比或超50%。
"当Agent开始帮你花钱了，整个智能体的商业生态就从一个支付真正变成一个繁荣、丰富的商业生态。"—— 蚂蚁集团CEO韩歆毅
AI支付的竞争格局
支付宝的布局，让AI支付的竞争格局更加清晰。
在国内，支付宝和微信支付在移动支付市场已经竞争了十年。现在，AI支付成为新的战场。支付宝率先推出AI钱包智能体，在"可信支付"这个维度上抢占了先机。
在国际上，Visa、Mastercard也在探索AI支付的可能性。KYA框架的互联互通，意味着支付宝希望把这套信任标准推向全球。
AI支付的核心问题不是技术，而是信任。谁先解决信任问题，谁就能在智能体商业中占据主导地位。
明天见。
When an agent starts spending money for you, what worries you most?
On September 11, at the 2026 Inclusion Bund Conference, Ant Group CEO Han Xinjun gave his answer: trust. He announced that Alipay's AI payment is moving from "payable" to "trusted payment," launching the AI Wallet Agent and three major "AI collection" capabilities, building trust infrastructure for agent commerce.
AI Wallet: Your 'Insider' in the Agent World
The AI Wallet Agent is the core product of this launch. Its positioning is your 'insider' in the agent world — it holds the complete transaction context and only executes payment after confirming the transaction matches user authorization and completing risk identification.
This isn't simple automatic deduction. Traditional payment is "you tap, I charge"; AI payment is "the agent determines you want to spend, I check first, confirm it's okay, then pay." The trust chain in between is the core of the APASS commercial trust infrastructure.
Based on the KYA (Know Your Agent) concept, APASS establishes an "identity + behavior" dual trust chain: continuously verifying agent identity, intent, and authorization. If an agent exceeds its authority, the system rejects the transaction and leaves a traceable credential. Recently, Visa and Mastercard have been exploring KYA framework interoperability with Alipay+.
Three AI Collections: Vibe Pay, Skill Pay, Machine Pay
Beyond the AI Wallet, Alipay launched three "AI collection" capabilities covering different scenarios:
Vibe Pay: For AI application creation scenarios, enabling AI app creators to earn directly from AI interactions.
Skill Pay: For Skill service providers, embedding payment into the Skill invocation and delivery process. Your product is a Skill callable by agents, and payment happens automatically when users engage it.
Machine Pay: For machine interconnection scenarios, enabling robot dogs, AI glasses, AI earbuds, and other physical devices to complete payments. Qwen AI glasses, Future Intelligence AI earbuds, and Gaode Momentum robot dog "Tutu" are already connected.
10M Fund: Alipay's Ecosystem Bet
To accelerate ecosystem development, Han Xinjun announced Alipay is establishing a 10 million yuan development fund for life agent developers, with annual individual awards up to 1 million yuan.
The signal is clear: Alipay doesn't want to be just a payment channel; it wants to become agent commerce's infrastructure. Han predicts that within 5 years, more natural new interaction payments could exceed 50% of all payments.
"When agents start spending money for you, the entire agent business ecosystem transforms from mere payment into a thriving, rich commercial ecosystem."— Ant Group CEO Han Xinjun
AI Payment Competition
Alipay's moves clarify the AI payment competitive landscape.
Domestically, Alipay and WeChat Pay have competed in mobile payments for a decade. Now, AI payment is the new battlefield. Alipay is first to launch an AI Wallet Agent, seizing the initiative in "trusted payment."
Internationally, Visa and Mastercard are also exploring AI payment possibilities. The KYA framework's interoperability suggests Alipay wants to push this trust standard globally.
The core issue in AI payment isn't technology — it's trust. Whoever solves trust first will dominate agent commerce.
See you tomorrow.
当Agent开始帮你花钱了，整个智能体的商业生态就从一个支付真正变成一个繁荣、丰富的商业生态。
—— 蚂蚁集团CEO韩歆毅
When agents start spending money for you, the entire agent business ecosystem transforms from mere payment into a thriving, rich commercial ecosystem.
— Ant Group CEO Han Xinjun
Alipay · AI wallet · agent · APASS · KYA · Vibe Pay · Skill Pay · Machine Pay · Bund Conference
Sources · 信源 Sources
本文基于 Dawn Vision 认知引擎处理的 14 个源信号生成，经编辑部人工审核。素材来源：新快报、环球网、科创板日报、支付宝Agent支付文档。
This article was generated by the Dawn Vision cognitive engine processing 14 source signals, with human editorial review. Sources: Xinkuaibao, Global Times, STCN, Alipay Agent Payment Docs.
