Cloudflare、Visa 和自主支付：塑造商业的未来

Cloudflare 与 Visa 和其他公司合作，为自主支付奠定了安全基础，使可信的人工智能代理能够安全高效地进行交易。

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'.

在人工智能的进步和对安全、自动化交易日益增长的需求的推动下，数字支付的格局正在经历巨大的转变。 Cloudflare 与 Visa、Mastercard 和 American Express 合作，处于这场革命的最前沿，开创了“代理商务”的概念。

The Rise of Autonomous Payments

自主支付的兴起

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.

代理商务设想了一个人工智能代理可以自主购物、谈判和处理付款的未来。为了实现这一目标，Cloudflare 正在构建一个安全的基础，使这些代理能够安全高效地进行交易。他们与 Visa、Mastercard 和 American Express 合作，旨在开发能够区分受信任代理和恶意机器人的身份验证系统，从而保护商家免受欺诈。

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 将自己定位为这个新兴生态系统的关键参与者。他们的 Web Bot Auth 协议允许自主代理在完成交易之前验证其身份。 Visa 正在共同开发可信代理协议，将 Web Bot Auth 集成到其 Visa 智能商务平台中。同样，万事达卡将将该协议集成到万事达卡代理支付中，美国运通计划将其应用到自己的代理商务系统中。

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 首席战略官 Stephanie Cohen 强调，安全性是核心设计元素，而不是事后的想法。通过构建信任协议并为开发人员提供 Agents SDK 等工具，Cloudflare 旨在使人工智能驱动的代理能够安全地进行交易，为去中心化数字商务铺平道路。

Visa and Mastercard's Perspective

Visa 和万事达卡的观点

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 和万事达卡将此次合作视为在自主交易领域建立信任的战略举措。 Visa 的可信代理协议旨在确保人工智能驱动的商务安全、透明地运行，使商家能够识别经过验证的代理并阻止恶意机器人。

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.

万事达卡首席产品官 Jorn Lambert 强调了自主代理在简化在线购物方面的潜力，但强调了验证代理身份以供广泛采用的重要性。他们的合作旨在为全球市场上基于代理的支付构建一个统一、安全且可扩展的框架。

Beyond Payments: Visa's Broader Vision

超越支付：Visa 的更广阔愿景

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 不仅仅专注于支付；它还专注于支付。他们还在探索去中心化金融（DeFi）和链上借贷的潜力。他们的愿景是让机构充当可编程借贷协议的流动性提供者，并由 Visa 提供数据、合规性和基础设施，以使参与变得可行。这标志着传统金融与新兴的去中心化信贷世界相结合的转变。

A Glimpse into the Future

未来一瞥

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.

自主支付的潜在影响是巨大的。 Tether 首席执行官 Paolo Ardoino 估计，未来几年将有数万亿基于人工智能的代理使用比特币和 USDT 等加密货币。这些代理人在实现财务自主后将依赖可编程、可立即转让的数字资产。

Final Thoughts

最后的想法

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、万事达卡和美国运通之间的合作标志着人工智能代理在商业中发挥关键作用的未来的重大转变。通过建立安全可信的协议，这些公司正在为自主交易的新时代铺平道路。准备好迎接一个由人工智能助手处理所有在线购物的世界吧——只是尽量不要让它耗尽你的信用卡！