问HN：有没有人开发过一个能花真钱的AI代理？
我想构建一个能够自主购物的AI代理——你只需给它一张卡，它就能独立处理浏览、选择和支付。
我一直在开发一个MCP服务器，将AI代理与支付提供商（如Stripe、PayPal、虚拟卡）连接，但我不断遇到障碍：
- 卡发行机构不会回应个人开发者
- Stripe要求离线支付必须使用3D安全认证
- 电子商务网站阻止浏览器自动化
- 亚马逊与Perplexity（3月9日）的案件确认，在主要平台上进行浏览器自动化存在真实的法律风险
与此同时，Visa宣布了“智能商务”，Mastercard推出了“代理支付”——这些网络已经预见到了这一趋势，但开发者工具尚未到位。
有没有人实际推出过类似的产品？具体的链接、有效的示例或建设性的反馈将特别有帮助。
- 你使用了什么支付渠道？
- 这是一个可行的产品还是一个监管雷区？
- 你会信任一个AI用500美元的预付卡为你购买东西吗？
我目前的进展：https://github.com/xodn348/clawpay
查看原文
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