# Block (Square, Cash App): Agentic commerce

Source: https://www.bankingnewsai.com/fintech/block/agentic-commerce
Last updated: Oct 22, 2026

*Part of the [Block (Square, Cash App) AI strategy profile](https://www.bankingnewsai.com/fintech/block).*

## What is Block doing in agentic commerce?

Block's agentic commerce work is early and built on open standards rather than a branded agent-payments product. Its own agents act inside its apps: Moneybot in Cash App, generally available with over 1 million weekly engaged accounts in Q2 2026, and Managerbot in Square, where every action it proposes needs the seller's approval. Outside its apps, Square launched a ChatGPT app and a Claude plugin on July 1, 2026 that let customers find U.S. food and beverage sellers and order with Order by Cash App, with no added marketplace commission; Square is also working with Amazon on Alexa+. In February 2026 Block engineers tested Afterpay inside the goose agent over Google's Universal Commerce Protocol, noting that buy now, pay later needs real-time underwriting where a card can sit as a stored token. Cash App Tags, launched June 4, 2026, come "with a foundation for agentic commerce built in", per the Q2 2026 letter. On September 24, 2026 Block joined the x402 Foundation and said it had contributed Bitcoin Lightning payments to the x402 protocol, after co-founding the Agentic AI Foundation in December 2025. Block has disclosed no agent-initiated payment volume. The wider x402 rail is still small: American Banker reported its daily volume fell from $800,000 in January 2026 to about $40,000 in September. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm), [Square](https://squareup.com/us/en/press/managerbot-open-beta), [Block](https://block.xyz/inside/square-introduces-new-chatgpt-and-claude-integrations-helping-sellers-reach-customers-through-ai-powered-discovery), [Block Open Source](https://opensource.block.xyz/blog/agentic-commerce-afterpay-ucp/), [Block Investor Relations](https://investors.block.xyz/investor-news/news-details/2026/Introducing-Cash-App-Tags1-A-New-Way-to-Pay), [Block](https://block.xyz/inside/block-joins-the-x402-foundation-to-advance-open-agentic-commerce), [Anthropic](https://www.anthropic.com/news/donating-the-model-context-protocol-and-establishing-of-the-agentic-ai-foundation), [American Banker](https://www.americanbanker.com/payments/news/agentic-payment-rail-shows-volume-decline))

## Where can AI agents buy, sell or pay through Block's products?

Block's own agents first, then third-party AI surfaces and developer tools. Status is as Block stated on the date shown.

| Item | What it does | Date | Sources |
| --- | --- | --- | --- |
| goose as a consumer and seller agent | Jack Dorsey said on the May 1, 2025 call that by the end of 2025 goose would act as "a personal CFO for consumers and a COO for sellers", per PYMNTS | June 4, 2025 | [PYMNTS](https://www.pymnts.com/artificial-intelligence-2/2025/square-adds-conversational-ai-assistant-to-business-technology-platform/) |
| Cashbot taking actions | Cash App said it would develop features that allow its support Cashbot "to take actions on behalf of customers" | July 23, 2025 | [Block](https://block.xyz/inside/cashbot-brings-ai-powered-support-to-millions) |
| Moneybot | Generally available in Cash App with over 1 million weekly engaged accounts; in Q1 2026 Block said customers were requesting automations before the feature ships | May 7 and August 5, 2026 | [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526212032/d132441dex991.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm) |
| Managerbot | Monitors sales, labor and inventory in Square Dashboard and proposes actions that execute only after the seller approves | April 28, 2026 | [Square](https://squareup.com/us/en/press/managerbot-open-beta) |
| Square in ChatGPT and Claude | U.S. food and beverage sellers with Square Online Ordering are discoverable, and customers order with Order by Cash App; orders route to the seller's POS and kitchen display with the AI source visible in reporting; eligible sellers are opted in at no added cost | July 1, 2026 | [Block](https://block.xyz/inside/square-introduces-new-chatgpt-and-claude-integrations-helping-sellers-reach-customers-through-ai-powered-discovery) |
| Alexa+ | Square is working with Amazon to bring sellers into Alexa+ voice experiences | July 1, 2026 | [Block](https://block.xyz/inside/square-introduces-new-chatgpt-and-claude-integrations-helping-sellers-reach-customers-through-ai-powered-discovery) |
| Square MCP server | Lets AI agents call the Square API, including customers, orders and items, after the seller authorizes scopes; in beta | Undated page, retrieved October 19, 2026 | [Square Developer](https://developer.squareup.com/docs/mcp) |
| Cash App Tags | NFC accessories linked to the Cash App Card, launched June 4, 2026, which the Q2 2026 letter says come "with a foundation for agentic commerce built in" | June 4 and August 5, 2026 | [Block Investor Relations](https://investors.block.xyz/investor-news/news-details/2026/Introducing-Cash-App-Tags1-A-New-Way-to-Pay), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm) |

## Which agent standards and payment rails is Block backing?

| Standard or rail | Block's role | Date | Sources |
| --- | --- | --- | --- |
| Model Context Protocol (MCP) | Named an early adopter at Anthropic's launch; Block later said goose's integration problems inspired its collaboration with Anthropic on MCP | November 25, 2024 | [Anthropic](https://www.anthropic.com/news/model-context-protocol), [Block](https://block.xyz/inside/block-rolls-out-builderbot-a-new-suite-of-ai-native-tools-that-changes-the-way-we-ship) |
| Agentic AI Foundation (Linux Foundation) | Co-founded with Anthropic and OpenAI, with goose as a founding project | December 9, 2025 | [Anthropic](https://www.anthropic.com/news/donating-the-model-context-protocol-and-establishing-of-the-agentic-ai-foundation) |
| Universal Commerce Protocol (UCP), Google | Afterpay integrated into goose over UCP as a feasibility test; Block says it joined UCP to enable agentic commerce for small businesses | February 5, 2026; September 24, 2026 | [Block Open Source](https://opensource.block.xyz/blog/agentic-commerce-afterpay-ucp/), [Block](https://block.xyz/inside/block-joins-the-x402-foundation-to-advance-open-agentic-commerce) |
| x402 Foundation | Joined; Block will bring payments and consumer-product experience to the working groups and keep building open agentic-commerce tools | September 24, 2026 | [Block](https://block.xyz/inside/block-joins-the-x402-foundation-to-advance-open-agentic-commerce), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/block-joins-x402-foundation/) |
| Bitcoin Lightning on x402 | Block contributed Lightning payments to the x402 protocol; Steve Lee, Head of Spiral, said in Block's post that agents "will make billions of small payments" that need instant, low-cost, open rails | September 24, 2026 | [Block](https://block.xyz/inside/block-joins-the-x402-foundation-to-advance-open-agentic-commerce) |

## How does Block handle consent, credit and risk when an agent pays?

Block keeps a person in the loop in its own agents. goose asks for confirmation before making changes, and Managerbot's proposed actions execute only after the seller approves. ([Block Open Source](https://opensource.block.xyz/blog/introducing-goose), [Square](https://squareup.com/us/en/press/managerbot-open-beta))

For buy now, pay later inside an agent, Block's Afterpay test kept credit decisions with the lender. Afterpay must identify the user and assess risk before authorizing; it returns an opaque payment token to the agent, the seller captures funds directly with Afterpay, and eligibility, payment terms and required consumer disclosures stay with Afterpay "in accordance with applicable laws". ([Block Open Source](https://opensource.block.xyz/blog/agentic-commerce-afterpay-ucp/))

The 2025 10-K says Block incorporates "generative AI and AI agents" into its products, that its use of AI depends on third-party large language models that may produce inaccurate, biased or unexpected outputs, and that customers, regulators or the public "may perceive AI technologies negatively". No regulator action on Block's agentic products is on the record; its enforcement history concerns fraud handling and AML on Cash App. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/archive/newsroom/cfpb-orders-operator-of-cash-app-to-pay-175-million-and-fix-its-failures-on-fraud/), [Colorado Attorney General](https://coag.gov/press-releases/attorney-general-phil-weiser-announces-45m-nationwide-settlement-with-block-inc-over-deceptive-practices-on-cash-app/))

## How big is agent-initiated payment volume, and what has Block not disclosed?

Independent data show the rails Block is joining are still small. American Banker reported on September 18, 2026 that daily x402 volume fell from $800,000 in January to about $40,000 in September. A TRM Labs analysis reported by PYMNTS estimated that only 0.6% to 7.5% of likely-commerce x402 value appeared agentic, and that 99.6% of settled value used USDC, the stablecoin, rather than other assets. ([American Banker](https://www.americanbanker.com/payments/news/agentic-payment-rail-shows-volume-decline), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/agentic-payments-are-growing-most-x402-payments-are-not-from-ai-agents/))

Block's stated aim on x402 is to widen "the set of open, non-card options" on those rails with stablecoin and Bitcoin payments. ([Block](https://block.xyz/inside/block-joins-the-x402-foundation-to-advance-open-agentic-commerce))

What is not disclosed: orders placed through Square's ChatGPT app and Claude plugin, any agent-initiated payments through Cash App or Tags, Afterpay agent checkout beyond the 2026 feasibility test, Lightning volume on x402, and a date for goose acting as a consumer agent beyond Dorsey's 2025 target. ([Block](https://block.xyz/inside/square-introduces-new-chatgpt-and-claude-integrations-helping-sellers-reach-customers-through-ai-powered-discovery), [Block Investor Relations](https://investors.block.xyz/investor-news/news-details/2026/Introducing-Cash-App-Tags1-A-New-Way-to-Pay), [Block Open Source](https://opensource.block.xyz/blog/agentic-commerce-afterpay-ucp/), [Block](https://block.xyz/inside/block-joins-the-x402-foundation-to-advance-open-agentic-commerce), [PYMNTS](https://www.pymnts.com/artificial-intelligence-2/2025/square-adds-conversational-ai-assistant-to-business-technology-platform/))

## What does the Block profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Aug 5, 2026 | Q2 2026: Moneybot passes 1 million weekly engaged accounts | Block reported gross profit of $3.17 billion (up 25%), said Moneybot was generally available with over 1 million weekly engaged accounts, and said agentic AI helped write and review nearly all production code changes in June. | [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm) |
| May 7, 2026 | Q1 2026: Moneybot live across Cash App, every employee using AI | Block's shareholder letter said 100% of employees were using AI tools as of early April, Builderbot was making 15% of production code changes nearly fully autonomously, Moneybot was live across Cash App, and Managerbot was available to over 1 million sellers with US general availability expected in June. | [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526212032/d132441dex991.htm) |
| Apr 28, 2026 | Managerbot opens to more Square sellers | Square opened Managerbot, described as the next evolution of Square AI, to a broader group of sellers in open beta inside Square Dashboard; it monitors sales and labor, flags issues and proposes actions that the seller must approve. | [Square](https://squareup.com/us/en/press/managerbot-open-beta) |
| Dec 9, 2025 | Block co-founds the Agentic AI Foundation | Anthropic, Block and OpenAI co-founded the Agentic AI Foundation under the Linux Foundation; Block's goose joined Anthropic's MCP and OpenAI's AGENTS.md as founding projects. | [Anthropic](https://www.anthropic.com/news/donating-the-model-context-protocol-and-establishing-of-the-agentic-ai-foundation) |
| Nov 13, 2025 | Cash App introduces Moneybot | Cash App's fall release introduced Moneybot, an assistant that answers questions about spending patterns and income and suggests actions, available to select users at launch with broader availability planned. | [TechCrunch](https://techcrunch.com/2025/11/13/cash-app-debuts-a-new-ai-assistant-that-answers-questions-about-your-finances/) |
| Nov 25, 2024 | Block named an early adopter of Anthropic's MCP | Anthropic's launch of the Model Context Protocol named Block as an early adopter that had integrated MCP into its systems, with CTO Dhanji Prasanna saying Block was excited to use it to build agentic systems. | [Anthropic](https://www.anthropic.com/news/model-context-protocol) |

## Common questions

### Can I order from Square sellers through ChatGPT or Claude?

Yes, in the U.S., for food and beverage sellers with an activated Square Online Ordering profile. Since July 1, 2026 customers can find them through Square's ChatGPT app and Claude plugin and order with Order by Cash App; orders go to the seller's point of sale with no added marketplace commission.

### What is Block's role in the x402 Foundation?

Block joined the Linux Foundation-hosted x402 Foundation on September 24, 2026 and contributed Bitcoin Lightning payments to the x402 protocol, an open standard that puts payments into HTTP. It said it will join the working groups and keep building open agentic-commerce tools.

### Can AI agents use Afterpay?

Block has tested it. In February 2026 its engineers integrated Afterpay into the goose agent over Google's Universal Commerce Protocol, with Afterpay underwriting each purchase in real time and returning a payment token to the agent. Block has not announced a commercial launch of Afterpay in third-party agents.

### Do Block's AI agents spend money without asking?

Not on the record. goose asks for confirmation before making changes, and Managerbot's proposed actions run only after the seller approves. Cash App said in July 2025 it would develop features letting Cashbot take actions for customers, but Block has not described autonomous payments by its agents.

### How much agentic payment volume does Block process?

Block does not disclose any. Independent figures for the x402 rail it joined are small: American Banker reported daily x402 volume fell from $800,000 in January 2026 to about $40,000 in September, and TRM Labs estimated only a small share of x402 value was agentic.
## Deeper on Block

- [How does Block use AI across its payment ecosystem?](https://www.bankingnewsai.com/fintech/block/payment-ecosystem-ai)
- [What is Block's role in the digital payments transformation?](https://www.bankingnewsai.com/fintech/block/digital-payments-transformation)
- [How does Block use AI and machine learning in credit decisions?](https://www.bankingnewsai.com/fintech/block/credit-decisioning-ai)
- [What is Block's AI strategy?](https://www.bankingnewsai.com/fintech/block/ai-strategy)

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