rewrite this title Walmart’s OnePay Becomes Infrastructure for Agent-Led Commerce – Finovate

OnePay has joined Google’s Agent Payments Protocol (AP2), moving the Walmart-owned fintech from traditional payments into providing infrastructure for agent-led, AI-driven commerce.

Unlike networks such as Mastercard, PayPal, and American Express that provide payment rails within AP2, OnePay is joining as a credential provider that will define how AI agents store credentials, interpret user intent, select payment instruments, and disclose financing options.

By positioning itself upstream of transactions, OnePay is aiming to govern the rules and guardrails of autonomous payments.

OnePay, the Walmart-owned digital banking platform, announced yesterday that it is joining Google’s Agent Payments Protocol (AP2). The partnership moves OnePay from offering traditional payments to becoming infrastructure for agentic payments.

Google launched AP2 in September 2025 to provide an open, standardized framework for digital payments. AP2 connects banks, fintechs, and merchants with its protocol that creates a common language for how AI agents can transact on behalf of users.

While OnePay joins heavyweights such as Mastercard, PayPal, and American Express in enlisting in AP2, it will not serve in the same capacity as the payments players, which are providing the payment rails. Instead, OnePay is joining as a credential provider, meaning the company will focus on how payment credentials are stored, secured, and reused by AI agents, how the user intent is expressed, how agents choose between different payment instruments, and how financing options are disclosed. Essentially, OnePay is taking on the role of defining the rules and guardrails that govern agent behavior.

For OnePay, joining AP2 positions the company as critical infrastructure for agent-led commerce. By acting as a credential provider within AP2, OnePay helps solve how agents securely store, select, and reuse payment credentials while respecting user constraints like spending limits, merchant rules, and financing preferences.

“We’re excited to collaborate with Google and the broader ecosystem to bring these ideas to life,” said OnePay CTO Moe Matar. “As AI begins handling more of the everyday work in commerce, consumers deserve a payments infrastructure that is fast, trustworthy, and aligned with their intent.”

Notably, this move positions OnePay upstream of payments. Since it was founded in 2020, the company has focused on facilitating transactions. Today’s announcement indicates OnePay has much bigger plans as it broadens its scope into governing how autonomous commerce decisions are made.

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