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SOL Franklin Templeton: Agent AI may accelerate the adoption of blockchain and cryptocurrency
Franklin Templeton pointed out that Agent AI may promote the application of blockchain technology through autonomous machine-to-machine payments. AI agents may rely on cryptocurrency for blockchain transactions, automatic settlements, and decentralized authentication. The growing AI-driven blockchain activity is expected to expand the scale of Web3 adoption, ecosystem financing, and demand for online tokens.
Sandy Kaul, director of digital assets and innovation at Franklin Templeton, released a report explaining how agent AI can promote the adoption of blockchain and cryptocurrencies. The report was released after the rapid expansion of AI and cited data as of July 14, 2026. Its core view is that autonomous AI systems require blockchain infrastructure to support machine-to-machine payments, identity verification, and transaction settlement.
Agent AI shifts to autonomous trading
According to Franklin Templeton, artificial intelligence has evolved from machine learning to generative AI, and agent AI is becoming the next stage. Unlike conversational systems, agent AI can plan, execute, and complete tasks without continuous human supervision. Projections cited in the report show that by 2028, 38% of organizations expect AI agents to work collaboratively with employees. At the same time, the report estimates that by 2030, the commercial scale of agents may reach US$3 trillion to US$5 trillion.
As AI processes more and more transactions, payment systems have begun to adapt. Franklin Templeton said Stripe and Visa launched the Machine Payments Protocol, while Coinbase handed over its x402 payment protocol to the Linux Foundation as an open standard. The report added that Shopify, Google, Amazon Cloud Services (AWS) and multiple payment providers have adopted the standard to support software-driven payments.
Blockchain supports machine payments
Sandy Kaul believes that blockchain networks provide functions needed for autonomous AI transactions, including smart contract execution, decentralized authentication, transparent record-keeping, and distributed computing resources. The report also compares blockchain settlement with traditional payment systems. The report points out that newer networks such as Aptos, Solana and BNB Chain can process thousands of transactions per second, while blockchain networks can complete transaction settlement during processing. Franklin Templeton also said that traditional payment systems are still not suitable for low-value AI micropayments due to transaction costs.
Report highlights the role of cryptocurrencies
The report points out that AI agents require native cryptocurrency to record transactions on the blockchain network. As a result, growing machine-to-machine activity may increase the demand for network tokens for payment processing. Franklin Templeton believes that higher transaction activity can also expand the blockchain funding pool, providing support for developer funding, security programs and ecosystem development. The report further pointed out that as AI agents automatically manage payments, users can use Web3 services without directly manipulating cryptocurrency or digital wallets, which will promote wider adoption of blockchain applications.
