Payment giant PayPal recently launched a new AI-based autonomous financial operating system called Financial OS at its 2025 Dev Days, attempting to combine AI agent technology with its stablecoin PYUSD and collaborate with tech giants to ride the wave of transforming the global business ecosystem.
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ToggleAI Agent Revolution: Leading the Era of Autonomous Business
In recent years, AI agents have evolved from simple automation tools to intelligent systems with learning, decision-making, and transaction capabilities. According to research consulting firm Gartner, by 2026, approximately 40% of enterprise processes will be automatically handled by AI agents, with the market value expected to exceed $22 billion by 2030.
(Sam Altman's Three Observations: Costs Dropping 10% Annually, AI Agents Becoming New Work Standard, Assets Immune to AI Replacement Will Appreciate)
PayPal has clearly foreseen this trend, officially entering the "agentic commerce" market, attempting to build a financial infrastructure driven by AI agents called "Financial OS".
PayPal President and CEO Alex Chriss stated: PayPal is not just about product innovation, but also collaborating with top global AI enterprises to drive a comprehensive transformation of business experiences:
25 years ago, we simplified digital cash flow, and now we are leading the next generation into the era of agentic commerce.
Financial OS Debuts: An Operating System Tailored for AI Business
PayPal's Financial OS is not a traditional payment processing system, but a complete financial architecture including digital identity, smart wallets, agent communication protocols, and real-time APIs.
Through its remote MCP server and agent toolkit, developers can quickly build AI business experiences with capabilities to autonomously list products, process payments, issue invoices, track logistics, and handle returns and exchanges, thereby simplifying integration processes and enhancing customer experience and operational efficiency.
(The USB-C Interface of the AI World: What is Model Context Protocol (MCP)? Decoding the Universal Context Protocol for AI Assistants)
PayPal's Chief Technology Officer Srini Venkatesan emphasized:
We are providing creators with all the tools needed to build efficient, secure, and intelligent commerce applications, and this is just the beginning of the agentic commerce transformation.
PYUSD Stablecoin: Creating a Common Currency Basis for Global AI Agent Transactions
As a key pillar of PayPal Financial OS, PYUSD (PayPal USD) is a stablecoin issued by PayPal, pegged to the US dollar, with high transparency and low transaction costs. This enables AI agents to quickly and securely complete payment and settlement tasks globally:
PYUSD can provide a consistent transaction basis for AI agents in emerging markets, small businesses, and even multinational corporations, breaking through regional and currency limitations to create financial inclusivity.
(PayPal Actively Promoting Stablecoin! PYUSD Annual Interest Rate of 3.7%, Striving to Expand Market Territory)
PayPal Collaborates with Google, Amazon, and Microsoft to Create an Intelligent Business Ecosystem
At the Dev Days conference, PayPal demonstrated its open platform strategy, collaborating with partners like Google Cloud, AWS, and Microsoft to create agentic commerce experiences:
Google Cloud: Demonstrated how to achieve a personalized AI shopping agent integrated with payment functions through Agent-to-Agent protocol and Gemini model.
AWS: Demonstrated the digitization of physical goods and integration with PayPal tools through the Amazon Nova model, quickly establishing intelligent business processes.
Microsoft: Created personalized AI sales experiences through Azure AI, helping brands provide highly customized shopping journeys.
These collaborations prove that PayPal can actively expand global AI business applications while maintaining user privacy and transaction trust.
Comprehensive Benefits: Full Upgrade for Enterprises, Developers, and Consumers
The PayPal team points out that for enterprises, AI agents can take over tedious order and after-sales processing; for developers, the Financial OS platform can significantly simplify payment process integration; and for consumers, everything from price comparison to payment and after-sales service will be automatically handled by AI, making shopping easier and smarter than ever before.
As Michelle Gill, General Manager of Small Business and Financial Services at PayPal, emphasized:
Our unique advantage lies in our bilateral network, serving over 70% of global merchants, small and medium-sized enterprise users, and consumers. Now we are extending these foundations to AI agents, making them core participants in transactions.
Opening the Future of Agent Commerce: PayPal Builds the Next AI-Driven Trillion-Dollar Economy
PayPal Financial OS is not just a single technological upgrade, but a movement that changes the essence of commerce. As AI agents become transaction subjects, PayPal not only rides the wave but becomes the platform's core, providing development tools, intelligent protocols, and global payment capabilities to help various sectors seize the initiative in the new era of AI commerce.
Jeremiah Owyang, Partner at Blitzscaling Ventures, precisely depicted this future in a conversation:
In a world dominated by AI agents, websites may become obsolete. We will no longer just browse, but give instructions. The future interface will not be clicking, but conversation.
From AI shopping assistants to fully automated commerce processes, PayPal stands at the forefront of the agent commerce revolution. This is a wave that unleashes potential for developers, enterprises, and consumers.
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