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Ant Financial Technology CTO Yan Ying: Using the 4R full-stack architecture to bridge the four cracks in the intelligent agent economy
Golden Finance reports that on April 20th, at the Hong Kong Web3 Festival, Ant Group’s CTO Yan Ying first proposed an architectural concept for the intelligent agent economy—the “4R Full-Stack Architecture”—which covers four levels: Agentic Runtime, Payment Rails, Agent Registry, and Root Infrastructure, aiming to provide technical infrastructure for AI agents that covers identity, payment, risk control, and compliance.
Her speech pointed out that the current foundation of the intelligent agent economy has “four cracks”: logical loopholes in prompt words leading to execution loss of control, AI lacking credible identity resulting in a responsibility vacuum, payment gateways designed around humans causing transaction barriers, and trust issues with unfamiliar agents leading to collaboration risks. “This is not something that can be fixed with a simple software patch; it requires a redesign from the underlying infrastructure level.”