{"id":1206,"date":"2026-04-17T01:03:47","date_gmt":"2026-04-17T01:03:47","guid":{"rendered":"https:\/\/global.livebitcoinnews.com\/fr\/2026\/04\/17\/mastercard-et-lobstercash-lancent-un-systeme-dautorisation-de-paiement-securise-par-ia\/"},"modified":"2026-04-17T01:03:47","modified_gmt":"2026-04-17T01:03:47","slug":"mastercard-et-lobstercash-lancent-un-systeme-dautorisation-de-paiement-securise-par-ia","status":"publish","type":"post","link":"https:\/\/global.livebitcoinnews.com\/fr\/2026\/04\/17\/mastercard-et-lobstercash-lancent-un-systeme-dautorisation-de-paiement-securise-par-ia\/","title":{"rendered":"Mastercard et Lobster.cash lancent un syst\u00e8me d’autorisation de paiement s\u00e9curis\u00e9 par IA"},"content":{"rendered":"

Les agents IA peuvent d\u00e9sormais effectuer des paiements par carte s\u00e9curis\u00e9s avec des limites d\u00e9finies par l’utilisateur \u00e0 l’aide du syst\u00e8me d’autorisation de Mastercard.<\/strong><\/em><\/p>\n

Les agents d\u2019intelligence artificielle \u00e9voluent progressivement de simples assistants vers des outils capables d\u2019ex\u00e9cuter de v\u00e9ritables actions financi\u00e8res. Les r\u00e9seaux de paiement et les d\u00e9veloppeurs s\u2019efforcent d\u00e9sormais de combler cet \u00e9cart. Une nouvelle collaboration entre Mastercard et Crossmint vise \u00e0 apporter une surveillance structur\u00e9e dans cet espace \u00e9mergent.<\/span><\/p>\n

Les agents IA obtiennent un acc\u00e8s aux paiements Mastercard via l’int\u00e9gration Crossmint<\/span><\/h2>\n

Lobster.cash de Crossmint s’appr\u00eate \u00e0 s’associer \u00e0 Mastercard Agent Pay et Verifiable Intent, introduisant une nouvelle fa\u00e7on pour les agents IA d’effectuer des paiements. Dans un<\/span>lib\u00e9rer<\/span><\/a>, la configuration permettrait aux agents op\u00e9rant sur des plates-formes ouvertes d\u2019utiliser la Mastercard existante d\u2019un consommateur sans exposer les d\u00e9tails de la carte.<\/span><\/p>\n

De plus, le syst\u00e8me combine l’infrastructure du r\u00e9seau de cartes avec une m\u00e9thode standardis\u00e9e pour confirmer l’approbation de l’utilisateur. Il \u00e9tend les voies de paiement fiables aux \u00e9cosyst\u00e8mes d\u2019agents en expansion rapide.<\/span><\/p>\n

Selon le communiqu\u00e9, la plateforme open source<\/span>Griffe Ouverte<\/span><\/a>sera le premier \u00e0 prendre en charge la configuration. Les utilisateurs peuvent attribuer des t\u00e2ches aux agents, y compris des achats, tout en maintenant des limites claires. Chaque transaction passe par le r\u00e9seau de Mastercard, ce qui signifie que les contr\u00f4les de l’\u00e9metteur et les processus d’authentification restent actifs.<\/span><\/p>\n

Au c\u0153ur du syst\u00e8me se trouve l\u2019intention v\u00e9rifiable. Construit en collaboration avec Google, il cr\u00e9e un enregistrement cryptographique de l’approbation des utilisateurs. Cet enregistrement montre qui a autoris\u00e9 une transaction, quelles r\u00e8gles ont \u00e9t\u00e9 fix\u00e9es et si ces r\u00e8gles ont \u00e9t\u00e9 respect\u00e9es.\u00a0<\/span><\/p>\n

Ainsi, les \u00e9metteurs et les commer\u00e7ants peuvent v\u00e9rifier ind\u00e9pendamment chaque paiement sans s\u2019appuyer sur des donn\u00e9es sp\u00e9cifiques \u00e0 la plateforme.<\/span><\/p>\n

Les probl\u00e8mes de s\u00e9curit\u00e9 ont ralenti l\u2019adoption des paiements bas\u00e9s sur des agents dans le pass\u00e9. Cependant, ce mod\u00e8le supprime la n\u00e9cessit\u00e9 pour les utilisateurs de partager les informations d\u2019identification de leur carte directement avec les syst\u00e8mes d\u2019IA.\u00a0<\/span><\/p>\n

Au lieu de cela, les autorisations agissent comme une couche de contr\u00f4le, tandis que l’infrastructure de Mastercard g\u00e8re l’authentification et la surveillance. Cette structure assure la tra\u00e7abilit\u00e9 des transactions et r\u00e9duit les risques d’utilisation abusive.<\/span><\/p>\n

Les d\u00e9veloppeurs b\u00e9n\u00e9ficient d’une logique de paiement contr\u00f4l\u00e9e pour les agents IA<\/span><\/h2>\n

Lobster.cash agit comme une couche de paiement partag\u00e9e sur plusieurs plateformes d’agents. Il se connecte d\u00e9j\u00e0 \u00e0 des outils tels que Claude Code, Devin, Hermes et Zo Computer. Gr\u00e2ce \u00e0 lui, les utilisateurs peuvent programmer exactement le comportement financier de leurs agents. Cela inclut o\u00f9 les fonds peuvent \u00eatre d\u00e9pens\u00e9s, \u00e0 quelle fr\u00e9quence les transactions peuvent avoir lieu et quelles m\u00e9thodes de paiement sont autoris\u00e9es.<\/span><\/p>\n

Selon Alfonso G\u00f3mez-Jordana Ma\u00f1as, co-fondateur de Crossmint, l’objectif est de garder les choses famili\u00e8res pour les utilisateurs.<\/span><\/p>\n

\u00ab\u00a0Mastercard Agent Pay est l’une des infrastructures de paiement les plus fiables con\u00e7ues pour le commerce agent au monde. L’int\u00e9grer \u00e0 lobster.cash signifie que les utilisateurs agents n’ont pas besoin d’un nouveau portefeuille ou d’une nouvelle carte.\u00a0\u00bb<\/span><\/i><\/p>\n

Alfonzo a dit<\/span><\/p>\n

Du c\u00f4t\u00e9 de Mastercard, l\u2019int\u00e9gration s\u2019appuie sur l\u2019infrastructure existante et ne constitue pas un syst\u00e8me distinct. Pablo Fourez, directeur num\u00e9rique, a d\u00e9clar\u00e9 que les d\u00e9veloppeurs peuvent cr\u00e9er de nouvelles applications tout en fonctionnant selon les m\u00eames garde-fous que ceux utilis\u00e9s dans les paiements traditionnels.<\/span><\/p>\n

Entre-temps, l\u2019adoption de la solution est d\u00e9j\u00e0 en cours. Mastercard Agent Pay est utilis\u00e9 par des banques telles que Santander, Commonwealth Bank of Australia, DBS et UOB. L’ajout de lobster.cash introduit le m\u00eame syst\u00e8me dans des plateformes ouvertes o\u00f9 les d\u00e9veloppeurs et<\/span>Agents IA<\/span><\/a>augmentent rapidement.<\/span><\/p>\n

<\/p>\n

Source : Live Bitcoin News<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Les agents IA peuvent d\u00e9sormais effectuer des paiements par carte s\u00e9curis\u00e9s avec des limites d\u00e9finies par l’utilisateur \u00e0 l’aide du syst\u00e8me d’autorisation de Mastercard. Les agents d\u2019intelligence artificielle \u00e9voluent progressivement de simples assistants vers des outils capables d\u2019ex\u00e9cuter de v\u00e9ritables actions financi\u00e8res. Les r\u00e9seaux de paiement et les d\u00e9veloppeurs s\u2019efforcent d\u00e9sormais de combler cet \u00e9cart. 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Les agents d\u2019intelligence artificielle \u00e9voluent progressivement de simples assistants vers des outils capables d\u2019ex\u00e9cuter de v\u00e9ritables actions financi\u00e8res. Les r\u00e9seaux de paiement et les d\u00e9veloppeurs s\u2019efforcent d\u00e9sormais de combler cet \u00e9cart. 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