Ask HN：有人开发过用真金白银的 AI 智能体吗？
2 分•作者: xodn348•5 个月前
我想构建一个能够自主购物的 AI 智能体——
你只需给它一张卡，它就能自行浏览、选择和支付。<p>我一直在开发一个 MCP 服务器，将 AI 智能体连接到支付提供商（Stripe、PayPal、虚拟卡），但<p>我一直遇到障碍：<p>- 发卡机构不会回复个人开发者<p>- Stripe 要求对非会话支付进行 3D Secure 验证<p>- 电子商务网站会阻止浏览器自动化<p>- 亚马逊诉 Perplexity（3 月 9 日）证实，在主要平台上进行浏览器自动化存在真正的法律风险<p>与此同时，Visa 宣布了“智能商务”，万事达卡推出了“Agent Pay”——这些支付网络已经预见到了这一点，但开发者工具尚未到位。
有没有人真正推出过类似的产品？具体的链接、可运行的示例或建设性的反馈将特别有帮助。<p>- 你使用了什么支付渠道？<p>- 这是一种可行的产品还是一个监管雷区？<p>- 你会信任一个 AI，让它用一张 500 美元的预付卡为你购买东西吗？<p>我目前的工作成果：https://github.com/xodn348/clawpay
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I want to build an AI agent that shops autonomously –
you give it a card once, and it handles browsing, selecting,
and paying on its own.<p>I've been working on an MCP server that connects AI agents
to payment providers (Stripe, PayPal, virtual cards), but<p>I keep hitting walls:<p>- Card issuers won't respond to individual developers<p>- Stripe requires 3D Secure for off-session payments<p>- E-commerce sites block browser automation<p>- Amazon v. Perplexity (March 9) confirmed that browser
automation on major platforms carries real legal risk<p>Meanwhile Visa announced "Intelligent Commerce" and
Mastercard launched "Agent Pay" – the networks see this
coming, but the developer tooling isn't there yet.
Has anyone actually shipped something like this? Concrete
links, working examples, or constructive feedback would
be especially helpful.<p>- What payment rail did you use?<p>- Is this a viable product or a regulatory minefield?<p>- Would you trust an AI with a $500 prepaid card to buy
something for you?<p>What I have so far: https://github.com/xodn348/clawpay