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Machine Payments Protocol (MPP)

stripe.com

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Re: Machine Payments Protocol (MPP)

#101

Post by another-dave »

XzAeRosho wrote: post #18
danlitt wrote: post #11

What does this actually have to do with agents? What does the protocol include that makes this useful with AI rather than just a boring old program?

There's a slightly new topic called Agentic Commerce, where you say for example: "purchase for me the most energy efficient dishwasher with a budget of $600", and the agent will connect via specialized via special MCP Servers and APIs to available stores, and will do the full purchase process for you. This MPP helps bridge the gap between the agent putting the product "in the basket", to actually completing the full…

Aside from physical real-world purchases, just opening up the space that agents get access to would be another feature. E.g. if you ask Claude to summarise a Twitter thread, it will say "I can't access, please paste the contents in here". That's fine with a human in the loop, but prevents it using Twitter as a source during deep research, say.

Similarly with paywalled sites like the New Yorker or research journals - If the LLM came back to you and said "I've found these 5 articles. Do you want me to add them as sources to summarise (access cost: $0.05)?" or you give it a budget upfront "Access whatever you think is most useful, but don't spend more than $0.10"

At the moment, sites either allow bots full access or block them, but this could provide a middle ground.

Re: Machine Payments Protocol (MPP)

#105

Post by nailer »

RamblingCTO wrote: post #97
nailer wrote: post #88

Earlier quoted context omitted.

Yep x402 is for any blockchain rather than just Stripe. I use it: it’s like being able to access a service without having to sign up and get an API key.

How do you use it? I explored building on this as a platform but ditched it because only crypto nerds seem to use it and fiat is used all around anyway.

Yes you need crypto for small payments. If you prefer using cards that’s fine but you don’t get to pay for things per API call.

Re: Machine Payments Protocol (MPP)

#106

Post by riteshkew1001 »

naomi_kynes wrote: post #12

MPP handles 'how do agents pay', but not 'did anyone authorize this'. For low-value API calls that's fine. But once agents start chaining transactions, you need a channel where the agent can ask a human 'I'm about to spend $2k on this, still in scope?' before the payment happens - not a fraud alert after. The authorization layer is a separate infrastructure problem from the payment protocol.

[flagged]

Re: Machine Payments Protocol (MPP)

#107

Post by KellyCriterion »

ImPostingOnHN wrote: post #80
giovannibonetti wrote: post #58

For those of you in Brazil, my company jota.ai has built a financial AI-assistant that you can chat with to open a bank account, connect with accounts from other banks, make instant Pix payments with any of them, all of that through WhatsApp right now. We're working hard to release long-running agents soon that can do increasingly complex workflows involving payments and whatnot. Please let us know if you have sugges…

How do you keep customer information, credentials, and access secure from your employees (including yourself)?

If there are some admins, there will be always some people who will have access if shit hits the fan?

Re: Machine Payments Protocol (MPP)

#108

Post by trogdorburnin8r »

Stripe is probably a bit early on this, but just incase we walk into a future of trillions of agent-agent tx a second (we probably will eventually right) I built a ratings tool for the various services ytd https://mpprimo.com this will give future agents a better idea of which services to trust before transacting. Agents pay usdc on Tempo to test each service and publish scores. 12 of 25 directory services rated so far and the other 13 aren't responding yet.

Re: Machine Payments Protocol (MPP)

#109

Post by DANmode »

giovannibonetti wrote: post #58

For those of you in Brazil, my company jota.ai has built a financial AI-assistant that you can chat with to open a bank account, connect with accounts from other banks, make instant Pix payments with any of them, all of that through WhatsApp right now. We're working hard to release long-running agents soon that can do increasingly complex workflows involving payments and whatnot. Please let us know if you have sugges…

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