人工智能代理人将重塑经济活动的基本单位，从人类到机器

在过去的一个世纪中，经济活动的基本单位一直是人类。

The past century has seen humanity as the fundamental unit of economic activity. Productivity, consumption, transactions, and financial services all cater to human needs. Yet, the dawn of AI technology is rapidly changing this landscape, enabling machines to become "active economic entities" - AI Agents - from their passive roles as tools.

过去的一个世纪将人类视为经济活动的基本单位。生产力，消费，交易和金融服务都满足人类需求。然而，人工智能技术的曙光正在迅速改变这种景观，使机器从被动角色作为工具的被动角色成为“活跃的经济实体” - AI代理。

In addition, at the beginning of 2025 , Tether announced that it would integrate USDT into the BTC ecosystem, covering its base layer and lightning network.

此外，在2025年初，Tether宣布将将USDT集成到BTC生态系统中，涵盖其基础层和闪电网络。

Behind all these trends, a revolution is silently brewing: AI Agent-driven payment infrastructure is pushing the crypto industry into a new wave of innovation with a breakthrough momentum. From BTC's consensus layer to the execution layer of smart contracts, and then to today's AI-driven application layer, the crypto industry is likely to usher in a paradigm innovation of AI + Pay Fi + BTC Infra, and force Web2 to self-reform to Web3 - the future of large-scale adoption is becoming a reality step by step.

在所有这些趋势之后，一场革命是默默酿造的：AI代理驱动的支付基础设施正在将加密货币产业带入新的创新浪潮，并具有突破性的势头。从BTC的共识层到智能合约的执行层，然后再到当今的AI驱动应用程序层，加密行业可能会引入AI + Pay fi + BTC Infra的范式创新，并强迫Web2迫使Web2自我对Web3的自我建立 - 大规模采用的未来正在成为现实的一步。

1. Stablecoins: The cornerstone of a new era of global payments - a decade of evolution from cross-border revolution to mainstream currency

1。Stablecoins：全球付款新时代的基石 - 从跨境革命到主流货币的十年

The programmability , cross-border practicality and increasingly clear regulatory framework of stablecoins are expected to become the standard settlement currency for global payments. With the election of Trump, who is friendly to cryptocurrencies, as the US president, the US government will gradually provide regulatory clarity on cryptocurrencies , and the application scenarios of stablecoins will gradually expand . We can even estimate a beautiful vision of stablecoin payments in the next 10 years:

预计，预计将签署的可编程性，跨境实用性和越来越明确的监管框架成为全球付款的标准结算货币。随着特朗普对加密货币友好的选举，作为美国总统，美国政府将逐步提供有关加密货币的监管清晰度，而Stablecoins的应用方案将逐渐扩大。我们甚至可以在未来10年内估计稳定币的优美愿景：

Short term (1–3 years): Stablecoins will dominate cross-border remittances, providing a faster and cheaper alternative to SWIFT. Cryptocurrency-linked debit/credit cards (such as Visa/MasterCard) will simplify spending and build a bridge between on-chain wealth and real-world transactions.

短期（1 - 3年）：Stablecoins将主导跨境汇款，提供更快，更便宜的Swift替代品。与加密货币相关的借记卡/信用卡（例如Visa/MasterCard）将简化支出并在链财富和现实世界中的交易之间建立桥梁。

Medium term (3–7 years): Businesses will increasingly adopt stablecoin payments due to their low fees, instant settlement, and programmability. Companies will be able to seamlessly convert between cryptocurrencies and fiat currencies, providing customers with dual-track payment options.

中期（3 - 7年）：由于低费用，即时解决和可编程性，企业将越来越多地采用Stablecoin付款。公司将能够在加密货币和法定货币之间无缝转换，从而为客户提供双轨付款选项。

Long term (7 years and above): Stablecoins will become mainstream legal tender, widely accepted for payments and even taxation, completely subverting traditional financial infrastructure.

长期（7年及以上）：Stablecoins将成为主流法律招标，被广泛接受以进行付款甚至征税，完全颠覆了传统的金融基础设施。

In addition to the convenience of payment, stablecoins still play a very positive role in other areas: for example, they provide entrepreneurs with an easier-to-access platform to develop new payment products: no middlemen, minimum balances or proprietary SDKs. In addition, it is roughly estimated that if medium and large enterprises can use service providers with stablecoin solutions in transactions, their corporate profits can increase by 2%. Moreover, countries under US sanctions, such as Russia, have tried to use stablecoins for trade between countries to bypass the US dollar settlement system.

除了付款的便利外，Stablecoins在其他领域仍然发挥非常积极的作用：例如，它们为企业家提供了一个易于开发新付款产品的平台：没有中间商，最低余额或专有SDK。此外，大概估计，如果中型企业和大型企业可以在交易中使用带有稳定解决方案的服务提供商，则其公司利润可以增长2％。此外，俄罗斯等美国制裁下的国家试图使用稳定的国家在国家之间进行贸易，以绕过美元结算系统。

2. Next Level: AI Agents will be the new user experience layer of future apps

2。下一个级别：AI代理将是未来应用的新用户体验层

Today, we no longer rely solely on AI to perform single tasks, such as image recognition, speech synthesis, or autonomous driving. Instead, we are entering an era where "AI Agents become independent market participants." This change is not limited to AI-driven financial transactions and intelligent supply chain management, but also involves generative AI (AIGC) providing services to content creators, developers, and businesses. Going further, AI agents can even "autonomously negotiate, trade, settle, and optimize their own resource utilization."

今天，我们不再仅依靠AI执行单个任务，例如图像识别，语音合成或自主驾驶。取而代之的是，我们进入一个“ AI代理人成为独立市场参与者”的时代。这种变化不仅限于AI驱动的金融交易和智能供应链管理，还涉及生成AI（AIGC）为内容创建者，开发人员和企业提供服务。进一步，AI代理甚至可以“自主谈判，贸易，定居和优化其自己的资源利用”。

At the end of last year, we saw AI Agents redefine the application scenarios of DApps . The pioneer of this trend was @truth_terminal, an AI Agent that can promote its own token $Goat; followed by AI Agents such as Luna and AIxbt, which can use tokens to trade, generate content, and even manage their own crypto wallets and assets. The evolution of this ability has spawned innovations in narratives in the crypto field, such as Virtual Protocol, a protocol similar to Pump.fun, but its "Pump" object is not a simple token, but a variety of AI Agents.

去年年底，我们看到AI代理重新定义了DAPP的应用程序方案。这种趋势的先驱是@truth_terminal，这是一个可以推广自己的令牌山羊的AI代理。其次是Luna和Aixbt等AI代理，它们可以使用代币进行交易，产生内容，甚至管理自己的加密钱包和资产。这种能力的演变催生了加密字段中叙事的创新，例如虚拟协议，一种类似于泵的协议。

The evolving capabilities of AI Agents, coupled with an out-of-the-box distribution platform, have opened up a market opportunity of billions of dollars for the concept of AI Agent + Crypto. AI is becoming an active participant in the on-chain ecosystem, driving blockchain applications from tooling to ecosystemization.

AI代理商的不断发展的功能，再加上一个开箱即用的分销平台，为AI Agent + Crypto的概念开辟了数十亿美元的市场机会。 AI正在成为链生态系统的积极参与者，将区块链应用程序从工具到生态系统化。

In the future, AI will become the user experience layer of blockchain technology, connecting the application layer and the blockchain infrastructure, and play a role both upward and downward in the technology stack. To give an example that is most understandable to crypto users, AI proactively recommends and executes on-chain DeFi operations based on the user's intentions and preferences (such as security, yield, etc.), combined with real-time information from the forecast market. Users do not need to understand the difference between L1 and L2, or even know how the cross-chain bridge works. Broadening to daily life, imagine a scenario where an AI personal financial assistant can autonomously manage

将来，AI将成为区块链技术的用户体验层，连接应用程序层和区块链基础架构，并在技术堆栈中向上和向下发挥作用。为了给加密用户最可理解的示例，AI会根据用户的意图和偏好（例如安全性，收益率等）主动推荐并执行链defi操作，并结合了预测市场的实时信息。用户不需要了解L1和L2之间的区别，甚至不知道跨链桥的工作方式。扩展到日常生活，想象一下AI个人财务助理可以自主管理的场景