Finovate

OnePay Becomes Infrastructure for Agent-Led Commerce

OnePay, Walmart's digital banking platform, announced its entry into Google’s Agent Payments Protocol (AP2) as a credential provider, shifting from traditional payments to infrastructure for AI‑driven, agent‑led commerce. Unlike Mastercard, PayPal and American Express, which supply payment rails, OnePay will define how AI agents store credentials, interpret user intent, select instruments, and disclose financing options. This upstream role places OnePay at the rule‑making layer of autonomous transactions. The move signals OnePay’s ambition to become critical infrastructure for the emerging autonomous commerce ecosystem.