Ant Group CEO Han Xinyi emphasized the transformative role of AI in payment systems at the Alipay AI Payment Ecosystem Conference. He noted that AI agents are increasingly capable of autonomously recognizing user needs and initiating payments, marking a shift from human-driven to collaborative decision-making between humans and AI. Alipay's AI payment system, which supports 95% of general-purpose agent frameworks, has processed over 3 billion transactions. Global institutions like WeChat Pay, JD Tech, Google, Visa, and Mastercard are also developing intelligent agent payment ecosystems. Zhu Min, former Deputy Governor of the People's Bank of China, cautioned that the proliferation of intelligent agents could pose systemic risks, necessitating proactive regulatory measures. Alipay's recent initiatives include launching the "AI Wallet" to enhance user confidence in AI payments and introducing the "Alipay AI Developer Incentive Program" to encourage the development of monetizable agents.