A traveler books a flight through an artificial intelligence (AI) assistant embedded in a super app. The agent finds the fare, selects the seat and completes payment. The user never leaves the interface. The digital wallet was built for a human tapping a screen. It was not built for software acting on their behalf. At its MoMents 2026 FinTech forum in Kuala Lumpur, Ant International introduced the Agentic Mobile Protocol, or AMP, the world’s first agentic payment framework built for mobile interfaces including digital wallets, super apps and wearable devices. The protocol is open-sourced. Existing AI payment infrastructure largely runs on card rails not engineered for agents initiating, authenticating and settling transactions without a human in the loop. AMP, however, was. A Protocol Built for Where Commerce Already Lives Digital wallet users reached 4.4 billion in 2025. That number is expected to exceed 6 billion by 2030. The payment infrastructure serving those users was not designed for AI agents. AMP is built to close that gap. Merchants, AI platforms and agent builders can embed payment capabilities directly into existing workflows. No system overhaul is required. AMP cuts the number of steps required to link a payment agent to a digital wallet by 50% compared to traditional card-binding methods, according to Ant’s press release. Advertisement: Scroll to Continue The network behind the launch is substantial. Alipay+ connects more than 40 digital wallet partners. It covers 1.8 billion user accounts and 150 million merchants globally, the company said. Ant is among the first partners of Mastercard and Visa to pilot card-based transaction capabilities for AI agents. The company is also working with Google on broader agentic commerce protocols. Identity Is the Infrastructure The buyer in an agentic transaction is no longer the person holding the phone. Banks, processors and networks need a