Cloudflare、Visa 和自主支付：塑造商業的未來

Cloudflare 與 Visa 和其他公司合作，為自主支付奠定了安全基礎，使可信的人工智能代理能夠安全高效地進行交易。

The landscape of digital payments is undergoing a massive transformation, driven by advancements in AI and the increasing need for secure, automated transactions. Cloudflare, in collaboration with Visa, Mastercard, and American Express, is at the forefront of this revolution, pioneering the concept of 'agentic commerce'.

在人工智能的進步和對安全、自動化交易日益增長的需求的推動下，數字支付的格局正在經歷巨大的轉變。 Cloudflare 與 Visa、Mastercard 和 American Express 合作，處於這場革命的最前沿，開創了“代理商務”的概念。

The Rise of Autonomous Payments

自主支付的興起

Agentic commerce envisions a future where AI agents can autonomously shop, negotiate, and process payments. To make this a reality, Cloudflare is building a secure foundation that allows these agents to transact safely and efficiently. Their collaboration with Visa, Mastercard, and American Express aims to develop authentication systems that can distinguish between trusted agents and malicious bots, protecting merchants from fraud.

代理商務設想了一個人工智能代理可以自主購物、談判和處理付款的未來。為了實現這一目標，Cloudflare 正在構建一個安全的基礎，使這些代理能夠安全高效地進行交易。他們與 Visa、Mastercard 和 American Express 合作，旨在開發能夠區分受信任代理和惡意機器人的身份驗證系統，從而保護商家免受欺詐。

Cloudflare's Central Role

Cloudflare 的核心角色

Cloudflare is positioning itself as a key player in this emerging ecosystem. Their Web Bot Auth protocol allows autonomous agents to verify their identities before completing transactions. Visa is co-developing a Trusted Agent Protocol to integrate Web Bot Auth into its Visa Intelligent Commerce platform. Similarly, Mastercard will integrate the protocol into Mastercard Agent Pay, and American Express plans to apply it to its own agentic commerce systems.

Cloudflare 將自己定位為這個新興生態系統的關鍵參與者。他們的 Web Bot Auth 協議允許自主代理在完成交易之前驗證其身份。 Visa 正在共同開發可信代理協議，將 Web Bot Auth 集成到其 Visa 智能商務平台中。同樣，萬事達卡將將該協議集成到萬事達卡代理支付中，美國運通計劃將其應用到自己的代理商務系統中。

Stephanie Cohen, Cloudflare’s Chief Strategy Officer, emphasizes that security is a core design element, not an afterthought. By building trust protocols and providing developers with tools like the Agents SDK, Cloudflare aims to enable AI-driven agents to transact safely, paving the way for decentralized digital commerce.

Cloudflare 首席戰略官 Stephanie Cohen 強調，安全性是核心設計元素，而不是事後的想法。通過構建信任協議並為開發人員提供 Agents SDK 等工具，Cloudflare 旨在使人工智能驅動的代理能夠安全地進行交易，為去中心化數字商務鋪平道路。

Visa and Mastercard's Perspective

Visa 和萬事達卡的觀點

Visa and Mastercard see this collaboration as a strategic move to build trust in the autonomous transaction landscape. Visa’s Trusted Agent Protocol is designed to ensure that AI-driven commerce operates securely and transparently, enabling merchants to identify verified agents and block malicious bots.

Visa 和萬事達卡將此次合作視為在自主交易領域建立信任的戰略舉措。 Visa 的可信代理協議旨在確保人工智能驅動的商務安全、透明地運行，使商家能夠識別經過驗證的代理並阻止惡意機器人。

Mastercard's Chief Product Officer, Jorn Lambert, highlights the potential of autonomous agents to streamline online shopping, but stresses the importance of verifying agent identities for widespread adoption. Their collaboration aims to build a unified, secure, and scalable framework for agent-based payments across global markets.

萬事達卡首席產品官 Jorn Lambert 強調了自主代理在簡化在線購物方面的潛力，但強調了驗證代理身份以供廣泛採用的重要性。他們的合作旨在為全球市場上基於代理的支付構建一個統一、安全且可擴展的框架。

Beyond Payments: Visa's Broader Vision

超越支付：Visa 的更廣闊願景

Visa isn't just focused on payments; they're also exploring the potential of decentralized finance (DeFi) and onchain lending. Their vision involves institutions acting as liquidity providers to programmable lending protocols, with Visa supplying the data, compliance, and infrastructure to make participation viable. This marks a shift towards integrating traditional finance with the emerging world of decentralized credit.

Visa 不僅僅專注於支付；它還專注於支付。他們還在探索去中心化金融（DeFi）和鏈上借貸的潛力。他們的願景是讓機構充當可編程借貸協議的流動性提供者，並由 Visa 提供數據、合規性和基礎設施，以使參與變得可行。這標誌著傳統金融與新興的去中心化信貸世界相結合的轉變。

A Glimpse into the Future

未來一瞥

The potential impact of autonomous payments is immense. Tether's CEO, Paolo Ardoino, estimates that trillions of AI-based agents will utilize cryptocurrencies like Bitcoin and USDT in the coming years. These agents will rely on programmable, immediately transferable digital assets as they become financially autonomous.

自主支付的潛在影響是巨大的。 Tether 首席執行官 Paolo Ardoino 估計，未來幾年將有數万億基於人工智能的代理使用比特幣和 USDT 等加密貨幣。這些代理人在實現財務自主後將依賴可編程、可立即轉讓的數字資產。

Final Thoughts

最後的想法

The collaboration between Cloudflare, Visa, Mastercard, and American Express signals a significant shift towards a future where AI agents play a crucial role in commerce. By establishing secure and trusted protocols, these companies are paving the way for a new era of autonomous transactions. Get ready for a world where your AI assistant handles all your online shopping – just try not to let it max out your credit card!

Cloudflare、Visa、萬事達卡和美國運通之間的合作標誌著人工智能代理在商業中發揮關鍵作用的未來的重大轉變。通過建立安全可信的協議，這些公司正在為自主交易的新時代鋪平道路。準備好迎接一個由人工智能助手處理所有在線購物的世界吧——只是盡量不要讓它耗盡你的信用卡！