What's changed

Developments that move the map.

Not a news feed: an item appears when it changes what the Atlas says, with its source and the pathways it affects.

2026-10-09
Revolut sets out plans for agent connectivity

Revolut's CEO described plans to let customer-authenticated third-party agents talk to Revolut's agents through MCP, and to test agents that shop and transact. Plans, not live endpoints.

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2026-10-06
Sierra and Meta announce the Personal Agent Protocol

Announced with seven launch partners, three days before the first draft. Design participation is not implementation.

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2026-10-05
Fed Governor Waller on payments in the age of AI agents

A Federal Reserve governor sets out how agent-initiated payments could change payment systems and their risks.

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2026-09-29
OpenAI launches dots

An always-on personal agent inside ChatGPT for Pro and Business Premium users in eligible markets.

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2026-09-28
IMF on AI and the future of payments policy

An IMF speech on how AI agents could reshape payments and what policymakers should watch.

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2026-09-08
Meta launches Muse

A personal AI agent in the US on iOS, Android and the web, powered by Muse Spark; it checks out with Stripe's Link.

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2026-09-03
Revolut receives conditional US charter approval

Conditional OCC approval only: FDIC, Federal Reserve and final OCC approval are still required. Not yet a licensed US bank.

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2026-09
AIVO publishes a multi-turn small-business banking study

2,160 conversations across three assistants expose a difference between being mentioned and winning the final recommendation.

AIVO study ↗
2026-07-30
UK open banking passes one billion cumulative payments

Illustrates existing account-to-account infrastructure; these transactions are not assumed to be AI-agent-initiated.

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2026-07-07
Bank of England identifies agentic payment risks

Authorization, traceability, liability and operational resilience highlighted as emerging concerns.

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2026-07-06
FCA Mills Review maps changes in retail finance

Customer journeys, competition, firm operations, and fraud risks are the four themes.

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2026-07-02
BBVA completes a live agent-initiated card transaction with Visa

A first agent-initiated transaction with real card details at a live merchant, through Visa Intelligent Commerce in Europe. Merchant and product not disclosed.

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2026-04-28
Google donates AP2 to the FIDO Alliance

The Agent Payments Protocol moves to the FIDO Alliance for standardization, with v0.2.

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2026-03-23
OpenAI retires ChatGPT Instant Checkout

Checkout inside ChatGPT ends; purchases move to retailer-run apps such as Walmart's Sparky. The Agentic Commerce Protocol continues.

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