We discuss how Stripe is building financial and economic infrastructure for the internet, with a focus on AI and agentic commerce, through Agentic Commerce Protocol (ACP). ACP is a joint initiative with OpenAI to establish a shared standard for businesses to interact with AI agents for purchases, including a shared payment token and fraud scoring. We explain how Stripe leverages its massive data set (processing about 1.4 trillion dollars a year) and machine learning/AI to combat new types of fraud, such as "friendly fraud" and card testing attacks, and to improve payment experiences. The discussion also covers the evolution of AI infrastructure at Stripe, the rapid growth and global nature of AI businesses using the platform, the necessity of token billing to manage fluctuating LLM inference costs, and the company's approach to internal tooling and the build vs. buy decision for technology.

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