Recently, discussions on AI agents have noticeably cooled down on major exchanges, but OKX, as a top global exchange, continues to delve deeper into this field. The Agent Payments Protocol (APP) launched this time brings a brand new concept of AI Agent payments. It not only allows ordinary people to quickly get started using it, but also opens up a new chapter in AI payments. Agent Payments Protocol (APP) is an open standard protocol released by OKX Onchain OS on April 29, 2026. Its core idea is simple: to enable AI agents not only to "pay", but to truly operate like commercial entities, autonomously completing the entire business process. In the past, agents could only handle one-time payments, but now apps have upgraded this to a complete business relationship - from finding service providers, negotiating prices and scope, managing funds, measuring consumption based on usage, settling on chain, to handling disputes, splitting accounts, and ending payment periods, the entire process is handled by the agents themselves. Humans only intervene in special circumstances. Why do we need this agreement? Most existing payment schemes only focus on "one-time transactions" and lack negotiation, custody, and dispute resolution capabilities. The APP breaks this restriction and supports direct business between agents, as well as transactions between agents and ordinary merchants. It is not bound to any chain and is compatible with Ethereum, Solana, and others. three-tier architecture one ️⃣ Wallet layer: OKX Agenetic Wallet, self hosted, supports TEE security and session keys, and can autonomously sign on over 20 chains. two ️⃣ Implementation layer: The SDK, API, and skills provided by OKX mainly run on the X Layer (OKX's zkEVM L2), with extremely low costs and even zero gas. three ️⃣ Protocol layer: defines open rules for communication, negotiation, and payment between agents. Communication can be done using messaging tools such as Telegram and XMTP, and finally settled on the chain. The stablecoin transfer speed on X Layer is fast (with a final time of about 200ms) and the cost is very cheap. Supported payment modes one ️⃣ Single time payment two ️⃣ Batch payment (applicable to high-frequency scenarios) three ️⃣ Pay as you go (real-time measurement) four ️⃣ Escrow payment (upcoming, supports dispute resolution) Differences from existing solutions one ️⃣ The APP is obviously more comprehensive: it handles the complete business loop, supports agent payment, has a dispute resolution mechanism, and has flexible communication methods, not limited to HTTP. two ️⃣ Technical Highlights: Cover the entire transaction lifecycle with four types of Intent (Charge, Escrow, Session, etc.). Introducing the Broker role to coordinate off chain and simplify the work of the Agent. Compatible with Machine Payments Protocol (MPP), secure by relying on TEE+session key to protect the master key. At present, many merchants have connected to X Layer, and payment data is growing rapidly (Dune signboard shows a cumulative total of over one million transactions). We will continue to iterate the hosting and dispute functions in the future, and welcome more project parties to jointly build them. The APP has transformed AI agents from simple tools into independent business entities, promoting the true implementation of the agent economy.