内容来源：https://techcrunch.com/2026/02/05/sapiom-raises-15m-to-help-ai-agents-buy-their-own-tech-tools/

内容总结：

【科技前沿】无代码开发遇瓶颈，AI智能体支付基建成新风口

当前，借助“氛围编程”（vibe coding）工具，即使没有编程背景的用户也能通过自然语言描述快速生成应用原型。然而，将这些原型转化为真正可投入生产的应用仍面临挑战——关键在于如何让应用安全、顺畅地连接短信发送、邮件通知、支付处理等外部技术服务。

这一痛点正催生新的基础设施解决方案。前Shopify支付工程总监伊兰·泽尔比布创立的初创公司Sapiom，致力于构建专为AI智能体设计的“金融层”。该系统可使AI自主、安全地完成软件、API、数据及算力资源的采购与支付，无需人工介入每次授权和微支付流程。

“每一次API调用、每发送一条短信、每启动一台云服务器，本质上都是一次支付。”投资机构Accel合伙人阿米特·库马尔指出，“目前AI智能体尚缺乏便捷的支付接入方式。”正是看中Sapiom聚焦企业端金融基建的定位，Accel领投了其1500万美元种子轮融资，跟投方包括Okta Ventures、Gradient Ventures等多家知名机构。

Sapiom的愿景是成为AI智能体的隐形支付管道。例如，用户通过氛围编程平台开发具备短信功能的应用时，无需再手动注册Twilio、绑定信用卡并复制API密钥——Sapiom将在后台自动处理所有验证与支付流程，相关费用将通过开发平台代扣。

尽管当前重点服务于企业场景，该技术未来也可能赋能个人AI助理，使其自主完成叫车、购物等消费决策。不过泽尔比布强调，AI并不会凭空刺激消费增长，其核心价值在于为企业提供高效、自动化的金融底层支持。随着AI智能体日益普及，这类“支付基建”或将成为人机协作时代的关键技术支柱。

中文翻译：

没有编程背景的人发现，他们可以通过氛围编程（vibe coding）构建自己的定制应用——像Lovable这样的解决方案能将自然语言描述转化为可运行的代码。

虽然这类提示转代码工具能创建出色的原型，但若想将其投入全面生产（正如记者近期所体验的），在不解决如何将应用程序与外部技术服务连接的情况下仍非易事，例如那些能通过短信、电子邮件发送信息以及处理Stripe支付的服务。

伊兰·泽尔比曾在Shopify担任支付工程总监五年，他正在构建一套解决方案，旨在为非技术创作者消除这些后端基础设施的烦恼。去年夏天，泽尔比创立了Sapiom，这家初创公司致力于开发金融层技术，使AI智能体能够安全地购买和访问软件、API、数据及计算资源——本质上是在创建一套让AI自动购买所需服务的支付系统。

每当AI智能体连接到Twilio等外部工具发送短信时，都需要身份验证和微支付。Sapiom的目标是让整个过程无缝衔接，使AI智能体无需人工干预即可自主决定购买内容与时机。

Accel合伙人阿米特·库马尔表示："未来，应用程序将消费需要付费的服务。但目前智能体尚无便捷途径真正访问所有这些服务。"库马尔已接触过数十家AI支付领域的初创公司，但他认为泽尔比专注于企业级金融层而非消费级，才是让AI智能体真正运作起来的关键。这正是Accel领投Sapiom1500万美元种子轮融资的原因，跟投方包括Okta Ventures、Gradient Ventures、Array Ventures、Menlo Ventures、Anthropic和Coinbase Ventures。

"仔细想想，每次API调用都是一次支付。每次发送短信是支付，每次在AWS启动服务器也是支付。"库马尔告诉TechCrunch。

尽管Sapiom尚处早期阶段，这家初创公司希望其基础设施解决方案能被氛围编程公司及其他创建AI智能体的企业采纳，这些智能体最终将承担自主完成多项任务的责任。例如，任何通过氛围编程构建具有短信功能应用的人，都无需再手动注册Twilio、添加信用卡或复制API密钥到代码中。相反，Sapiom会在后台处理所有流程，微应用构建者将通过Lovable、Bolt或其他氛围编程平台以转嫁费用的形式支付Twilio服务费。

虽然Sapiom目前专注于B2B解决方案，但其技术最终可能赋能个人AI智能体处理消费者交易。预计未来某天，个人将信任智能体做出独立的财务决策，例如预订Uber或在亚马逊购物。尽管这样的未来令人兴奋，但泽尔比认为AI不会神奇地促使人们购买更多商品，这也是他专注于为企业创建金融层的原因。

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英文来源：

People without coding backgrounds are discovering that they can build their own custom apps using vibe coding — solutions like Lovable that turn plain-language descriptions into working code.
While these prompt-to-code tools can help create nice prototypes, launching them into full-scale production (as this reporter recently discovered) can be tricky without figuring out how to connect the application with external tech services, such as those that can send text messages via SMS, email, and process Stripe payments.
Ilan Zerbib, who spent five years as Shopify’s director of engineering for payments, is building a solution that could eliminate these back-end infrastructure headaches for nontechnical creators.
Last summer, Zerbib launched Sapiom, a startup developing the financial layer that allows AI agents to securely purchase and access software, APIs, data, and compute — essentially creating a payment system that lets AI automatically buy the services it needs.
Every time an AI agent connects to an external tool like Twilio for SMS, it requires authentication and a micro-payment. Sapiom’s goal is to make this whole process seamless, letting the AI agent decide what to buy and when without human intervention.
“In the future, apps are going to consume services which require payments. Right now, there’s no easy way for agents to actually access all of that,” said Amit Kumar, a partner at Accel.
Kumar has met with dozens of startups in the AI payments space, but he believes Zerbib’s focus on the financial layer for enterprises, rather than consumers, is what’s truly needed to make AI agents work. That’s why Accel is leading Sapiom’s $15 million seed round, with participation from Okta Ventures, Gradient Ventures, Array Ventures, Menlo Ventures, Anthropic, and Coinbase Ventures.
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“If you really think about it, every API call is a payment. Every time you send a text message, it’s a payment. Every time you spin up a server for AWS, it’s a payment,” Kumar told TechCrunch.
While it’s still early days for Sapiom, the startup hopes that its infrastructure solution will be adopted by vibe-coding companies and other companies creating AI agents that will eventually be tasked with doing many things on their own.
For example, anyone who has vibe-coded an app with SMS capabilities won’t have to manually sign up for Twilio, add a credit card, and copy an API key into their code. Instead, Sapiom handles all of that in the background, and the person building the micro-app will be charged for Twilio’s services as a pass-through fee by Lovable, Bolt, or another vibe-coding platform.
While Sapiom is currently focused on B2B solutions, its technology could eventually empower personal AI agents to handle consumer transactions. The expectation is that individuals will one day trust agents to make independent financial decisions, such as ordering an Uber or shopping on Amazon. While that future is exciting, Zerbib believes that AI won’t magically make people buy more things, which is why he’s focusing on creating financial layers for businesses instead.