Alipay has introduced a next-generation AI payment infrastructure designed to support the rise of AI agents and agent-driven commerce. The company debuted two new services, AI Wallet and Token Pay, as part of its broader push to make payments more secure, automated, and deeply integrated into AI-powered experiences.
The launch marks a major step toward what Alipay and Ant Group describe as the agentic economy, where AI agents can help users search, shop, order services, manage transactions, and complete payments with greater autonomy.
Alipay Expands Its AI Payment Infrastructure
According to Alipay, the new services build on its existing AI payment products, including Alipay AI Pay, a consumer-facing system that allows users to complete secure transactions through AI agents using voice commands. The company has also developed AI payment processing tools for businesses and developers, enabling pay-per-use monetization through easier integration.
Ant Group CEO Cyril Han said AI agents are reshaping commerce, while payments remain central to how digital transactions work. He said Alipay is using its 22 years of technology and commerce experience to build AI payment services that can accelerate the agentic commerce ecosystem.
What Is Alipay AI Wallet?
The newly launched AI Wallet is designed to give users more visibility and control over payments made through AI agents. The feature allows consumers to manage tasks performed by agents before and during payment, then review and analyze their spending afterward.
AI Wallet is now available inside the Alipay app by searching for “AI Wallet.” The product is positioned as a control layer for agent-driven transactions, helping users better understand what their AI agents are doing and how money is being spent.
This is especially important as AI agents begin to act on behalf of users across shopping, food delivery, travel, subscriptions, and other everyday services.
Token Pay Targets AI Model Companies
Alongside AI Wallet, Alipay also launched Token Pay, a payment solution built for AI model companies. The platform supports global subscription payments, token top-ups inside AI agents, and other transaction needs linked to AI services.
At the Alipay AI Payment Ecosystem Conference on May 26, AI companies MiniMax and Stepfun announced collaborations with Alipay. Their use cases include token top-ups, membership subscriptions, and marketing campaigns.
This suggests Alipay is not only targeting consumers, but also the growing business layer behind AI applications, models, agents, and developer platforms.
Alipay AI Pay Reaches 300 Million Transactions
Alipay said its AI Pay system has reached 300 million transactions to date. The company also stated that in February 2026, Alipay AI Pay became the first AI-native payment product globally to exceed 100 million users.
The service is already being used across several AI commerce scenarios in China, including retail mini programs, smart glasses, AI applications such as Alibaba’s Qwen, smart cockpits, development platforms, and AI agents.
Why This Matters for AI Commerce
The launch highlights a growing shift in digital payments. In traditional online commerce, payment usually happens at the end of the customer journey. In agentic commerce, payments may need to happen earlier and more seamlessly, as AI agents search, compare, recommend, and act on behalf of users.
That raises new challenges around security, trust, authorization, spending controls, and transaction visibility.
Alipay is addressing this through its AI Wallet, intelligent security systems, and an Agentic Commerce Trust Protocol developed with partners. The company says these tools are intended to create a common framework for collaboration between AI platforms and service providers.
Alipay Pushes Further Into AI-Powered Services
Alipay also plans to expand AI upgrades across online and offline commerce through products such as Alipay Tap! smart devices. In addition, the company introduced a developer support program for individual AI developers, offering token incentives and zero payment processing fees.
For Alipay, the broader goal appears to be turning payments into a built-in capability for AI services rather than a separate checkout step.
The Bigger Picture
AI agents are quickly moving from simple chat interfaces to tools that can take action. As that happens, payment infrastructure will become a critical part of the AI economy.
Alipay’s launch of AI Wallet and Token Pay shows how major fintech players are preparing for a future where AI agents do more than answer questions. They may soon shop, subscribe, book, order, and pay on behalf of users.
For the AI industry, the key question is whether users will trust AI agents enough to let them handle real financial decisions. Alipay’s latest infrastructure is a clear attempt to solve that trust problem before agentic commerce becomes mainstream.
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