{"id":51940,"date":"2025-09-16T16:42:20","date_gmt":"2025-09-16T16:42:20","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=51940"},"modified":"2026-05-30T09:26:31","modified_gmt":"2026-05-30T07:26:31","slug":"google-y-coinbase-impulsan-pagos-con-stablecoins-en-apps-de-ia-con-el-protocolo-ap2","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/google-y-coinbase-impulsan-pagos-con-stablecoins-en-apps-de-ia-con-el-protocolo-ap2\/","title":{"rendered":"Google y Coinbase impulsan pagos con stablecoins en apps de IA con el protocolo AP2"},"content":{"rendered":"

Google<\/a> present\u00f3 el Agent Payments Protocol (AP2) y anunci\u00f3 una alianza con Coinbase<\/strong> para habilitar pagos con stablecoins<\/a>, principalmente USDC<\/strong>, en aplicaciones de inteligencia artificial<\/strong>. La iniciativa, respaldada por m\u00e1s de 60 entidades<\/strong>, busca automatizar y proteger micropagos<\/strong> iniciados por agentes de IA, con impacto directo en desarrolladores, comercios<\/strong> y proveedores de infraestructura de pagos<\/strong>.<\/p>\n

AP2 pretende estandarizar y simplificar la integraci\u00f3n de pagos en aplicaciones ag\u00e9nticas<\/strong> como proyecto de c\u00f3digo abierto<\/strong>, acercando la liquidez en stablecoins<\/strong> a flujos de IA que requieren verificaci\u00f3n y ejecuci\u00f3n en tiempo real<\/strong>.<\/p>\n

Qu\u00e9 introduce AP2 y el papel de Coinbase<\/h3>\n

AP2 introduce \u201cMandates\u201d<\/strong>, contratos digitales firmados criptogr\u00e1ficamente para verificar la intenci\u00f3n del usuario<\/strong> y autorizar pagos autom\u00e1ticos<\/strong>. El protocolo acepta m\u00e9todos de pago tradicionales y stablecoins<\/strong>, permitiendo que agentes de IA realicen transacciones verificables sin intervenci\u00f3n humana<\/strong>. Al ser open source<\/strong>, busca estandarizar la orquestaci\u00f3n de pagos<\/strong> y reducir la complejidad t\u00e9cnica<\/strong> para los desarrolladores.<\/p>\n

Coinbase aporta la capacidad de procesar USDC a trav\u00e9s de Base<\/strong>, su Layer-2 de Ethereum<\/strong>, dise\u00f1ada para transacciones m\u00e1s r\u00e1pidas y baratas<\/strong>. Esta infraestructura habilita micropagos en milisegundos<\/strong>, con costos de fracciones de c\u00e9ntimo<\/strong> frente al 2-3% t\u00edpico de las tarjetas<\/strong>. En paralelo, Shopify integr\u00f3 pagos en USDC<\/strong> junto a Coinbase y Stripe en 34 pa\u00edses<\/strong>, donde algunos comercios pueden acceder a reembolsos<\/strong> y hasta 0,5% de cashback en EE. UU.<\/strong><\/p>\n

El lanzamiento de AP2 incluye colaboraciones con la Ethereum Foundation, Dell, Mysten Labs<\/strong> y m\u00e1s de 60 socios, lo que sugiere un enfoque multisectorial<\/strong> que integra hardware, infraestructura y desarrollo de protocolos<\/strong>.<\/p>\n

Implicaciones en producto, liquidez y cumplimiento<\/h3>\n

La reducci\u00f3n de costos operativos<\/strong> habilita modelos de pago por uso<\/strong> para APIs y servicios de IA<\/strong>. Surgen nuevos vectores de producto<\/strong>, como asistentes autom\u00e1ticos que compran datos o servicios en tiempo real<\/strong> usando USDC como medio de liquidaci\u00f3n<\/strong>, creando experiencias m\u00e1s granulares y programables<\/strong>.<\/p>\n

En cumplimiento y regulaci\u00f3n<\/strong>, la adopci\u00f3n convive con cambios normativos. El GENIUS Act<\/strong> exige que emisores de stablecoins con m\u00e1s de $10.000 millones de capitalizaci\u00f3n<\/strong> pasen a supervisi\u00f3n federal en 360 d\u00edas<\/strong>, prohibiendo que los emisores paguen intereses, aunque permite que exchanges ofrezcan recompensas<\/strong>.<\/p>\n

Persisten riesgos operativos<\/strong>, como la dependencia de redes Layer-2<\/strong>, las necesidades de custodia<\/strong> y posibles debilidades en contratos inteligentes<\/strong>. En interoperabilidad, Coinbase eval\u00faa ampliar capacidades de Base<\/strong>, incluida la posible emisi\u00f3n de un token de red<\/strong>, lo que podr\u00eda transformar sus modelos de ingresos y liquidez<\/strong>.<\/p>\n

\"Inteligencia<\/p>\n

AP2 abre un puente t\u00e9cnico entre agentes de IA<\/a> y pagos en stablecoins<\/strong>, con apoyo de m\u00e1s de 60 entidades<\/strong> y roles clave de Coinbase y la Ethereum<\/a> Foundation<\/strong>. Este avance ocurre mientras el marco regulatorio \u2014incluido el GENIUS Act y su plazo de 360 d\u00edas\u2014 redefine las obligaciones de supervisi\u00f3n y cumplimiento<\/strong> en el ecosistema.<\/p>\n

\n","protected":false},"excerpt":{"rendered":"

Google present\u00f3 el Agent Payments Protocol (AP2) y anunci\u00f3 una alianza con Coinbase para habilitar pagos con stablecoins, principalmente USDC, en aplicaciones de inteligencia artificial. La iniciativa, respaldada por m\u00e1s de 60 entidades, busca automatizar y proteger micropagos iniciados por agentes de IA, con impacto directo en desarrolladores, comercios y proveedores de infraestructura de pagos. 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