{
 "source": "https://keyrock.com/who-pays-the-agent/",
 "source_date": "2026-05-21",
 "about": "骨架：Keyrock《Who Pays the Agent?》（2026-05，与 Coinbase、Tempo、Virtuals 联合发布）的 Agent Payments Stack 六层（L0 结算 / L1 钱包 / L2 路由 / L3 协议 / L4 治理 / L5 应用），keyrock_layer = 原图那一层和它点名的项目，ai_era = 老做法 → AI agent 时代变成什么；new_layer = 原图没有、我们补的四层（Agent 卡、商户侧 Agent 结账、按次付费网关、AI 计费）。who = 第二套拆法（按交易角色：买方 / 卖方 / 轨道 / 信任），layers 指向第一套的 code。",
 "layers": [
  {
   "code": "a5",
   "name": "代用户花钱的 Agent 平台",
   "ai_era": "人自己逛网店下单 → 聊天助手和 agent 网络直接替人下单、互相付费",
   "keyrock_layer": "L5 Application · Virtuals Protocol、ElizaOS、Felix、Nansen",
   "new_layer": false,
   "box": "Agent Payments Stack",
   "box_zh": "Keyrock 六层：钱从哪条网络走、谁拿着、按什么协议付、谁来担保"
  },
  {
   "code": "g4",
   "name": "授权、身份与风控",
   "ai_era": "KYC 认人、反欺诈把机器人一律拦下 → 要认出是哪个 agent、谁授权的、能花多少，好 agent 放行",
   "keyrock_layer": "L4 Governance & Policy · Google AP2、Visa Intelligent Commerce、Mastercard Agentic Tokens、ERC-8004",
   "new_layer": false,
   "box": "Agent Payments Stack",
   "box_zh": "Keyrock 六层：钱从哪条网络走、谁拿着、按什么协议付、谁来担保"
  },
  {
   "code": "p3",
   "name": "支付协议与 facilitator",
   "ai_era": "结账页加卡号表单 → agent 在一次 HTTP 请求里完成报价、授权和付款",
   "keyrock_layer": "L3 Payment Protocol · x402、Tempo MPP、Google AP2、ACP（OpenAI + Stripe）、Circle Nanopayments",
   "new_layer": false,
   "box": "Agent Payments Stack",
   "box_zh": "Keyrock 六层：钱从哪条网络走、谁拿着、按什么协议付、谁来担保"
  },
  {
   "code": "r2",
   "name": "路由与出入金",
   "ai_era": "跨境汇款、换汇要几天 → 稳定币和法币之间、多条链之间自动换、自动路由",
   "keyrock_layer": "L2 Routing & Abstraction · Circle CCTP、deBridge、Bridge（Stripe）、LayerZero",
   "new_layer": false,
   "box": "Agent Payments Stack",
   "box_zh": "Keyrock 六层：钱从哪条网络走、谁拿着、按什么协议付、谁来担保"
  },
  {
   "code": "w1",
   "name": "Agent 钱包与账户",
   "ai_era": "人开银行户、自己管卡 → agent 有自己的钱包或受监管账户，按策略签名、有额度",
   "keyrock_layer": "L1 Wallets & Keys · Coinbase Agentic Wallets、MoonPay OWS、Safe、NEAR AI Wallets",
   "new_layer": false,
   "box": "Agent Payments Stack",
   "box_zh": "Keyrock 六层：钱从哪条网络走、谁拿着、按什么协议付、谁来担保"
  },
  {
   "code": "s0",
   "name": "结算网络与稳定币",
   "ai_era": "银行清算、卡组织结算按天算 → 秒级到账、每笔不到一分钱的链上结算，USDC 成了默认币",
   "keyrock_layer": "L0 Settlement · Base、Tempo、Solana、VisaNet、Arc（Circle）",
   "new_layer": false,
   "box": "Agent Payments Stack",
   "box_zh": "Keyrock 六层：钱从哪条网络走、谁拿着、按什么协议付、谁来担保"
  },
  {
   "code": "k6",
   "name": "Agent 卡与发卡",
   "ai_era": "给员工发公司卡 → 给每个 agent、每个任务发一次性或限额虚拟卡，锁商户、锁金额",
   "keyrock_layer": null,
   "new_layer": true,
   "box": "Cards · Merchants · Billing",
   "box_zh": "新层 · 卡、商户和收费：Keyrock 原图之外"
  },
  {
   "code": "m7",
   "name": "商户侧 Agent 结账",
   "ai_era": "网店的结账页为人设计 → 商品目录和结账接口直接开放给 ChatGPT、Gemini 这些 agent",
   "keyrock_layer": null,
   "new_layer": true,
   "box": "Cards · Merchants · Billing",
   "box_zh": "新层 · 卡、商户和收费：Keyrock 原图之外"
  },
  {
   "code": "n8",
   "name": "按次付费网关",
   "ai_era": "买 API 要注册、绑卡、拿 key → agent 一个钱包按调用付费；网站向来抓内容的 AI 按次收费",
   "keyrock_layer": null,
   "new_layer": true,
   "box": "Cards · Merchants · Billing",
   "box_zh": "新层 · 卡、商户和收费：Keyrock 原图之外"
  },
  {
   "code": "b9",
   "name": "AI 计费与用量计价",
   "ai_era": "软件按席位订阅 → AI 公司按 token、用量、结果向自己的用户收费",
   "keyrock_layer": null,
   "new_layer": true,
   "box": "Cards · Merchants · Billing",
   "box_zh": "新层 · 卡、商户和收费：Keyrock 原图之外"
  }
 ],
 "who": [
  {
   "code": "W-agent",
   "name": "下单的 agent",
   "desc": "助手和 agent 网络",
   "layers": [
    "a5"
   ],
   "section": "买方：替人花钱"
  },
  {
   "code": "W-wallet",
   "name": "钱包和卡",
   "desc": "钱包、账户、虚拟卡",
   "layers": [
    "w1",
    "k6"
   ],
   "section": "买方：替人花钱"
  },
  {
   "code": "W-merchant",
   "name": "商户结账",
   "desc": "网店接 agent 订单",
   "layers": [
    "m7"
   ],
   "section": "卖方：收 agent 的钱"
  },
  {
   "code": "W-api",
   "name": "API 和内容按次收费",
   "desc": "按调用、按抓取收钱",
   "layers": [
    "n8"
   ],
   "section": "卖方：收 agent 的钱"
  },
  {
   "code": "W-bill",
   "name": "AI 公司的计费",
   "desc": "按 token、用量、结果",
   "layers": [
    "b9"
   ],
   "section": "卖方：收 agent 的钱"
  },
  {
   "code": "W-proto",
   "name": "协议",
   "desc": "x402、MPP、AP2、ACP、UCP",
   "layers": [
    "p3"
   ],
   "section": "轨道：钱怎么走"
  },
  {
   "code": "W-move",
   "name": "路由和结算",
   "desc": "跨链、出入金、结算网络",
   "layers": [
    "r2",
    "s0"
   ],
   "section": "轨道：钱怎么走"
  },
  {
   "code": "W-kya",
   "name": "身份、授权与风控",
   "desc": "KYA、卡组织 agent 令牌、反欺诈",
   "layers": [
    "g4"
   ],
   "section": "信任：该不该付"
  }
 ]
}