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Paying Bohang County for King's Bomb: 300 million smart-body payments running, AI for Token Pay four to define a new paradigm

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On the afternoon of 26 May, Bao paid for an event called "AI Pay Eco-Congress" at the International Conference Centre of the Future Science and Technology City of Hangzhou. On the surface, it's a regular product launch, and the actual amount of information is so large that many people are not responding to what happened.

One sentence summarizes what the Congress did:Paying for "How to spend between AI smarts," from concept to product level, 300 million real-world deals have been made.I don't know.

And then we'll look at it and you'll see why someone says it's the biggest paradigm shift in the pay industry in 20 years.

300 million real-world deals: smart people are really spending money.

Read hard data first. The payment treasure revealed three cracks at the Congress:

  • 300 million.: cumulative AI smart payment transactions
  • 95%: General smart framework ratio covered
  • First in the world.: Large commercial AI primary payment platform

What's the concept of 300 million? It means not PoC, not Demo, it's really big AI Agent paying for it -- it's either buying for you, it's ordering for you, or it's calling API between Agent and each other.

And 95% of the smart-body framework coverage suggests that the payment treasures are not just taken over from one family or another, but basically take over the mainstream frameworks of Langchain, AutoGen, AgentScope, CrewAI, MetaGPT. This is an infrastructure-level layout.

AI pays four packages: all from C to B Pass.

The biggest hard stuff at this conference was the "All-A-A-A-Present-Pays Matrix" issued by the paid treasures, which the industry calls "A-A-T-T-T-S-S-S-S-S-S."

1. AI Payments (C side user)

Your smarts buy you, book you a ticket, book you a payment route for takeout. For example, you said to your AI assistant, "Call me a Friday ticket to Chengdu," "Agent" research, price, bill, deduction, run all by yourself, and you just need to make a final confirmation.

2. AI collection (B side)

Business access to AI collection capacity, which allows identification” of whether the order is real or Agent, which provides Agent clients with specialized interfaces, specialized reconciliations, and specialized wind logic.

Token Pay (subscription and settlement of large model companies)

This is the most undervalued one. Token Pay solves the question of how Token fees are charged between AI and each other. Mini Max, step-to-step stars, brain specs, the dark side of the moon, these big model companies can connect customers directly through Token Pay, settle them at Token usage, and skip the traditional pre-charge process.

4. AI Wallet (Agent Funds Management)

Give Agent an exclusive wallet so that he can manage his own budget, his own amount, his own balance. Agent is free to make decisions on how to spend within the delegated authority, without having to ask the owner every single one.

The four pieces are a complete closed ring:The user pays Agent →Agent to manage the budget in the AI wallet →Agent to call the big model Token Pay →Agent to pay for the completion of commodity purchases →Ai receipt for businessI don't know.

Token Pay: Probably the most underestimated

Figure

I have to take Token Pay out alone.

API, here's the thing:

Registration account number
2. Full value (minimum hundreds or thousands)
3. Create API Key
4. Balance of prepaid fees at Token on call API
5. Insufficient balance to charge
6. Separate sets of accounts and balances of different model companies

Burden to death.

Token Pay did:Token's settlement.I don't know. All you need is a paying account to pay for any big model company that can access Token Pay. No prefilling, no registration of more than a dozen accounts and no separate management of the balances.

For developers:10 API Key management problems missingI don't know.
For large model companies:Less cost of a self-built payment system, more direct access to a billion-degree payout user.I don't know.
For Agent:More importantly, AI can call any model on its own, on demand, without human prefilling.I don't know.

Token Pay was the first to have access to Mini Max, the Big National Model, and so on.

Data forecast: 300 times.

At the conference, the director of the Institute of Ant Groups put a number that cools the back of his back:

Token consumption will reach 300 times the current level in 2030.

Here's the logic:

  • Now Token is mostly consumed by Human Ask AI
  • In the future, Token will spend more on "AI and AI calling"
  • AI Agent's level of dialogue goes far beyond the level of human dialogue with AI
  • Token consumption increases exponentially when Agent starts doing multiple steps on its own.

Simple analogy: Now Token is like electricity consumption, mainly domestic; in 2030 Token will become industrial electricity, and the AI Agent factory is running 7x24 over there.

Token, data, tools will become the new "digital production factor" corresponding to the "energy, raw materials, machines" of the AI era. Token Pay is the settlement infrastructure for the future.

9 car companies access car-mounted AI payments

A lot of people didn't notice that there was a heavy landing at this conference.9 Autobots announced access to AI payments:

  • Gilly.
  • Kirill.
  • Ideal
  • North.
  • Deep Blue
  • East Frozen Chart
  • Modern
  • (and the other two front companies)

What does that mean? You don't have to pick up your phone from now on:

  • The gas station is here. The car identifies the gas gun and pays for it.
  • The toll station is here, the car itself, the ETC deduction.
  • Get out of the parking lot and settle the parking fees yourself.
  • I'll order coffee at the roadside shop and pay for it myself.
  • Charging stakes. Cars charge their own charges.

The owner of the car changed from a "decisionr + operator" to a "pure decision maker", all of which was done by AI Agent in the car.

It's not a PPT concept, it's true that there are nine cars that have integrated in a quantum car.

IIFAA Alliance issues ACT protocol co-construction plan

Figure

The conference also had a bottom-up but critical announcement:IIFAA Alliance official release of the ACT Agreement Joint Construction PlanI don't know.

The IIFAA (Internet Financial Identification Coalition) is the mainstream Chinese Identification Standards Alliance, with ants as one of its core members. What's the deal, ACT?

ACT =AgentCredential & Transmission protocolI don't know. In short, it is a uniform standard for AI Agent to create "ID + credit files + trading qualifications".

Why do you need this? Imagine:

  • Why would a businessman believe it was authorized by you?
  • How does one Agent call another Agent service?
  • There's been a problem. How do we get to the exact Agent, the user, the time?

The ACT agreement is designed to address these problems - to allow for a uniform and verifiable set of standards for interaction between Agent, Agent and merchants, and Agent and users.

Once this thing landes, meaning is a scale with SSL/TLS on Web security.

The ants' Global AI Layout: From Touch to Token Pay

Put this convention in the product line of the ants for two years, and the whole layout is clear:

  • Touch it.(NFC payments): Users have broken hundreds of millions, hit 30 seconds below the line.
  • AI Payment/ AI Receipt: Extension of the payment route from People Launch to Agent Launch
  • Token Pay: Extension of payments from “shopping settlement” to “AI arithmetical settlement”
  • AI WalletOther Organiser

What the paying treasure is doing is essentially to extend the “subject” of the payment from the person to Agent.

Former payments were “fund transfers between people and institutions” and future payments were to be made “fund transfers between people, Agent and institutions”. Agent is both a consumer, a service provider and a settlement node.

What does it mean for ordinary people?

In the short term, you don't feel change at once -- you should brush it, you should sweep it.

In the middle 1-2 years, you'll find:

  • More and more App has the option "Let AI help me do"
  • More and more scenes don't require your initiative.
  • More and more services can be done by your AI assistant.

It's been three to five years.
For a long period of three to five years, the "self-motion" app could turn into a little hobby like "self-move film" -- most routine operations were taken over by Agent.

What does it mean for developers?

Figure

If you're a developer, there are several points to focus on:

1. Token Pay Documentation Worth Early Study

Token Pay's access documents should be opened soon. If you do big model integration, Agent application, AI tools, study how to connect Token Pay in advance, you can save a lot of self-built payment system work.

2. 95% smart framework covered

This means that when you use Lang Chain, AutoGen, these mainstream frameworks to develop Agent, you can call directly on the capacity to pay offered by the payment treasure without repeating the wheel.

The ACT protocol changes the trust model between Agent

The future of your Agent wants to call someone else's Agent, ACT protocol will be infrastructure. I know, I know, I know.

4. AI Wallet is a new “account system”

If you do the Agent SaaS product, each Agent will be given an AI wallet that might be a match. How to design Agent's budget management, wind control, reconciliation is a new subject.

Why is this meeting worth remembering?

A lot of people think it's just a regular launch to pay for the treasure. My personal judgment is:This could be one of the most important publications in China's AI industry in 2026.I don't know.

There are three reasons:

First, it defines the payment paradigm of the AI era.I don't know.

From People Scanning Payment to Agent Self Settlement, a complete paradigm shift. Ants are the first to get through this road with a billion user base and mature payment infrastructure.

Second, it gives a new answer to the big model's realization.I don't know.

Token Pay gave Big Models a standardized clearing house for direct subscribers. Large model companies used to sell API only to B, and now can use Token Pay directly to To C, at the rate of usage.

Third, it moves the smart economy from concept to reality.I don't know.

300 million transactions, 95 per cent framework coverage, 9 car access, ACT protocol alliances -- a combination of actions that mean that the "Agent economy" has moved from PPT to production deployment.

In the next year or two, we'll probably see:

  • Token Pay
  • More Iot devices (not just cars) integrated AI payments
  • Increased number of services supporting "Agent Direct Buy"
  • B2B settlement for Agent-to-Agent began to scale

Concluding remarks

This is not a product launch, it's an AI economic infrastructure launch.

Behind the 300 million smart-body payments is the quietly reshaping of the role of the payment industry as a whole — from “intermediaries between people and businesses” to “multilateral clearinghouses between people, Agent, merchants, model companies”.

When Agent started spending his own money, whoever had Agent's wallet, he had the entrance to the AI economy.

Pay Bo this time, take the entrance first.