Artificial intelligence is moving fast, and it is no longer just answering questions or writing text. AI agents are starting to act on behalf of people
Speaking at the Goldman Sachs Builders and Innovators Summit in October 2025, Armstrong explained that AI agents cannot open bank accounts. They cannot pass identity checks known as KYC, short for Know Your Customer. As a result, he believes stablecoins will become the main payment tool for machine to machine transactions.
Banks are built for humans, not software. To open an account, a user must provide documents, prove their identity, and pass compliance checks. AI agents cannot do any of that. They have no legal identity, no passport, and no address.
Yet these agents are increasingly expected to pay for things. Imagine an AI assistant that books cloud computing, pays for data access, or manages online ads in real time. In today’s system, every payment still depends on a human controlled bank account or credit card. That setup does not scale well when software is acting on its own.
Stablecoins offer a simpler path. They are digital tokens designed to hold a steady value, usually pegged to the US dollar. They can be stored in wallets, sent instantly, and used without a bank account. For an AI agent, a stablecoin wallet can act like a built in payment rail.
The AI-crypto ecosystem is evolving into a decentralized AI (DeAI) stack, with Filecoin and Arweave leading storage, Akash, Render, and Aleph driving compute, and Nillion, Zama, and Oasis enabling privacy. Model training via Nous, Gensyn, and FLock pairs with verification. From Phala, EigenLayer, and Polyhedra using ZK proofs.
Coordination layers like Bittensor and Numerai incentivize performance, while agent networks (Near, Theoriq) and apps (Brave, ElizaOS) integrate on-chain payments and verifiable AI into user tools.
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This is a great overview of the whole Agentic space. From yield agents, frameworks for AI strategies, agents launchpads and AI trading, most of the leaders are mentioned here. Congrats to @MessariCrypto for the great work (read their latest Crypto x AI report).
