Open Source AI Payment Agent Protocol

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Open Source AI Payment Agent Protocol

Inspired by a conversation on:

Everyday AI Podcast – An AI and ChatGPT Podcast

Everyday AI Podcast – An AI and ChatGPT Podcast

Ep 615: OpenAI going after Apple hardware, Google brings Gemini to Chrome, Microsoft CEO’s dire warning on AI and more AI News That Matters

Host: Jordan Wilson

Timestamp: 00:15:56 - 00:18:27

Listen to Episode • View Podcast • All Ideas from Everyday AI Podcast – An AI and ChatGPT Podcast

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Direct Quote

"Google announced the open source agent payment protocol, or what they're calling AP2, to let agents complete purchases with clear authorization, authenticity, and accountability."

Market Gap

Consumers lack secure methods for AI agents to make purchases.

As AI technology evolves, the need for secure and reliable transactions through AI agents becomes increasingly critical. Current methods for AI agents to make purchases are often fraught with security concerns, including the risk of unauthorized transactions and a lack of transparency. Consumers are hesitant to allow AI to handle their financial transactions without robust protections in place. This need is felt particularly in e-commerce, where automated purchasing could streamline processes for users. If this problem remains unaddressed, businesses risk losing consumer trust and slowing adoption of AI-driven solutions in commerce.

Summary

This business idea entails developing a service that leverages the open-source agent payment protocol, AP2, enabling AI agents to securely complete transactions on behalf of users with clear verification processes. By creating a user-friendly platform that integrates this protocol, businesses can offer consumers the ability to automate their purchasing decisions while ensuring security and accountability. Target audiences would include e-commerce platforms looking to enhance user experience and businesses aiming to integrate AI solutions into their operations. This could involve partnerships with payment processors and e-commerce sites to ensure broad adoption of the technology in the marketplace.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$3,000 - $7,000 MRR
Moderate (Most Likely)
$10,000 - $20,000 MRR
Optimistic
$30,000 - $60,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
9/10
Novelty
8/10
Feasibility
7/10
Market Potential
8/10
Evidence
8/10
Overall
7.8/10
Found on September 22, 2025 • Analyzed on September 22, 2023 2:25 PM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your medium difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 3-6 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available $1,000-$10,000
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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