Ant Group CEO Han Xinyi: The essence of AI payments is that the Agent is the execution carrier, and the Token is the value carrier.

On the afternoon of May 26th, Alipay held the AI Payment Ecology Conference today. Han Xinyi, CEO of Ant Group, gave a speech: "The essence of AI payment is that the Agent is the execution carrier of the payment, and the Token is the value carrier of the payment." Specifically, the advantage of using the Agent as the execution carrier is that it can make autonomous decisions, call tools and APIs, stop at key points for confirmation, and the entire process can be traced and audited; the advantage of using the Token as the value carrier is that it can reduce costs by 90%. He also stated that intelligent entities are also redefining decision-making rights, transferring from people to Agents, while driving changes in three scenarios: first, from people seeking services to services seeking people. The traffic logic becomes invalid, the trust logic rises, the Agent understands the intent and actively matches the optimal service; second, from commodity transactions to task transactions. Users no longer buy plane tickets, but purchase a perfect business trip, upgrading the transaction unit from SKU to Solution; third, from a two-sided market to a multi-sided network. Users, Agents, service providers, payment network data parties collaborate in real-time, and the logic of value creation and distribution is completely rewritten.