PayPal Launches AI-Driven Financial OS at 2025 Dev Days
Payment giant PayPal recently unveiled its new AI-based autonomous financial operating system, Financial OS, at its 2025 Dev Days. The system aims to integrate AI agent technology with its stablecoin PYUSD and collaborate with technology giants to create a global agentic commerce ecosystem, riding the wave of change in the global business landscape.
The AI Agent Revolution: Leading the Era of Autonomous Commerce
In recent years, AI agents have evolved from mere automation tools into intelligent systems capable of learning, decision-making, and trading. According to research consulting firm Gartner, it is estimated that by 2026, approximately 40% of business processes will be automated by AI agents, with the market value exceeding $22 billion by 2030.
PayPal clearly anticipates this trend and is officially entering the “agentic commerce” market, aiming to create a financial infrastructure driven by AI agents known as Financial OS. PayPal President and CEO Alex Chriss stated: “PayPal is not just about product innovation; we are collaborating with leading AI companies globally to drive a complete transformation of the business experience: 25 years ago, we simplified digital cash flow, and now we are leading the next generation into the era of agentic commerce.”
Introducing Financial OS: An Operating System Tailored for AI Commerce
The Financial OS launched by PayPal is not a traditional payment processing system but a comprehensive financial architecture that includes digital identity, smart wallets, agent communication protocols, and real-time APIs. Through its proprietary remote MCP server and agent toolkit, developers can quickly create AI commerce experiences capable of autonomously listing products, processing payments, issuing invoices, tracking logistics, and handling returns and exchanges, thereby simplifying integration processes and enhancing customer experience and operational efficiency.
PayPal’s Chief Technology Officer Srini Venkatesan emphasized: “We are providing creators with all the tools they need to build efficient, secure, and intelligent business applications. This is just the beginning of the agentic commerce transformation.”
PYUSD Stablecoin: Creating a Common Currency Foundation 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 U.S. dollar, featuring high transparency and low transaction costs. This enables AI agents to complete payment and settlement tasks quickly and securely on a global scale: PYUSD offers a consistent transactional foundation for AI agents in emerging markets, small businesses, and even multinational corporations, breaking regional and currency boundaries to foster financial inclusivity.
PayPal Partners with Google, Amazon, and Microsoft to Create Smart Commerce Ecosystem
At the Dev Days conference, PayPal showcased its open platform strategy, collaborating with partners such as Google Cloud, AWS, and Microsoft to build agentic commerce experiences:
- Google Cloud: Demonstrated how to achieve personalized AI shopping agents integrated with payment functionalities through Agent-to-Agent protocols and the Gemini model.
- AWS: Showcased the digitization of physical products and integration with PayPal tools through the Amazon Nova model, enabling rapid establishment of intelligent commerce processes.
- Microsoft: Created personalized AI sales experiences through Azure AI, helping brands offer highly customized shopping journeys.
These collaborations demonstrate that PayPal can actively expand global AI commerce applications while maintaining user privacy and transaction trust.
Comprehensive Benefits: Upgrading Enterprises, Developers, and Consumers
The PayPal team pointed out that for businesses, AI agents can take over tedious order and after-sales processing; for developers, the Financial OS platform significantly simplifies payment process integration; and for consumers, everything from price comparison, payment, to after-sales is automatically managed by AI, making shopping unprecedentedly easy and intelligent. As Michelle Gill, PayPal’s General Manager of Small Business and Financial Services, emphasized: “Our unique advantage lies in our bilateral network, serving over 70% of merchants, small and medium-sized enterprises, and consumers globally. Now we are extending this foundation to AI agents, making them core participants in transactions.”
Opening the Future of Agentic Commerce: PayPal Builds the Next Trillion-Dollar Economy Driven by AI
PayPal Financial OS is not merely a technological upgrade but a movement that transforms the essence of commerce. As AI agents become the main players in transactions, PayPal is not just riding the wave but is becoming a core platform, providing development tools, intelligent protocols, and global payment capabilities to help various sectors seize opportunities in the new era of AI commerce. Jeremiah Owyang, a partner at Blitzscaling Ventures, accurately described this future in a discussion: “In a world dominated by AI agents, websites may become obsolete. We are no longer just browsing; we are issuing commands. The future interface is not clicks but conversations.”
From AI shopping assistants to fully automated commerce processes, PayPal stands at the forefront of the agentic commerce revolution. This is a wave that fully unleashes potential for developers, businesses, and consumers.
Risk Warning
Investing in cryptocurrency carries a high risk, as prices may fluctuate significantly, and you could lose your entire principal. Please assess risks carefully.