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FollowingSmart currency: How stablecoins become the key to AI-driven micropayments
According to the latest findings by Visa and blockchain research firm Artemis, stablecoins are becoming the main tool to promote micropayments between AI agents. As artificial intelligence and digital commerce continue to integrate, stablecoins are seen as a viable solution for high-frequency machine-driven financial transactions due to their low transaction costs. Although card networks are expected to continue to dominate consumer payments, stablecoins provide complementary solutions for automated transactions.
How can stablecoins reshape digital micropayments?
This joint study explores in depth the impact of AI agents (automated systems capable of executing transactions) on digital payments. Research distinguishes between macro-commerce (such as consumer-managed hotel bookings) and micro-commerce (characterized by high-frequency, low-value transactions handled separately by software).
stablecoins are pegged to legal currencies such as the US dollar, which is especially suitable for micro-commerce. Its blockchain foundation ensures seamless, low-cost transactions, making it ideal for high-frequency, small-scale transactions generated by AI systems.
These micro transactions usually occur in the background, such as applications interacting through APIs or exchanging computing services. Given the inefficiency of traditional payment networks in processing these small transactions, stablecoins provide a cost-effective solution to ensure the security of transactions between companies.
Visa and Artemis emphasized that stablecoins 'extremely low transaction costs make them ideal for repetitive software payments, which distinguishes them from fixed-rate card networks.
Is dual networks the future of AI payments?
Visa envisions a future payment system in which traditional card networks and blockchain support stablecoins, thus forming a dual network model. In this system, AI agents can intelligently choose payment methods for each transaction: traditional card networks are used for consumer transactions, and stablecoins are used for automated machine payments.
The integration of stablecoin technology by traditional financial institutions highlights the increasing integration of payment companies with the digital asset world. Visa, known for its processing capabilities, has launched a number of initiatives to connect standard transaction processes with blockchain settlement. At the same time, crypto-native companies are also investing in enhanced security measures to comply with traditional norms.
Consumer transactions prefer card networks because of their wide acceptance and dispute resolution mechanisms. Micropayments made by AI agents benefit from the low cost and fast settlement of stablecoins.
What regulatory challenges do AI microfinance face?
Although blockchain has huge potential in AI microfinance, regulatory ambiguity and dispute handling pose major obstacles. Current regulations emphasize manual supervision, which conflicts with transactions that are entirely managed by software.
The chargeback and consumer protection mechanisms designed for large-value transactions are difficult to adapt to continuously automated transactions in AI-driven commerce. Successful application requires the payment system to design a solution for risk management and dispute resolution for machine-generated transactions.
Visa已采取措施推动AI驱动与基于区块链的支付方式，与万事达卡和Coinbase等行业领导者联手。通过这一合作，Visa支持开放的稳定币协议，展现了其全球范围内增强数字资产支付的决心，尤其是在自动化与小额交易领域。
稳定币正通过新的合作伙伴关系以及与区块链结算兼容的卡计划拓宽其影响力，进一步印证了这些数字货币将支撑未来AI驱动商务的预测。
