贝莱德:AI的广泛采用或将催生稳定币与区块链支付的新需求
资产管理巨头贝莱德(BlackRock)提出,人工智能(AI)的更广泛应用可能会为稳定币和区块链支付创造新的市场需求。据该公司分析,自主运行的AI系统可能需要专为机器构建的金融基础设施,而区块链也可能成为购买这些系统所需计算资源的一种支付手段。
三大融合领域
在9月22日发布的一份报告中,贝莱德将AI定义为“机器原生智能”(machine-native intelligence),将数字资产定义为“机器原生货币”(machine-native money)。报告指出,尽管这两项技术此前主要沿着各自的轨道发展,但随着AI系统逐渐具备与金融网络交互以及有限人类参与下执行交易的能力,它们正开始走向融合。
贝莱德重点分析了三个重叠领域,首先是代币化(Tokenization)。在此过程中,大型语言模型将文本分解为可数值处理的“令牌”(tokens),而区块链则将价值和所有权主张表示为数字代币。虽然两者的功能不同,但都将信息转化为机器可处理的标准化格式。
Another area BlackRock identified is Agency Commerce, where AI agents are able to conduct financial transactions. The company believes this will increase the need for programmable payment infrastructure, with stablecoins and other cryptocurrencies available as payment and settlement tools. While traditional credit card networks and automated clearing houses (ACH) already support automated payments, the report notes that their account opening requirements and settlement economic structure may make them less suitable for continuous, extremely low-value transactions that require programmable execution.
The third area is computing power. BlackRock cited analyst estimates that by 2030, hyperscale cloud computing revenue could exceed $1 trillion per year. The report believes that standardized claims for computing power may become a digital asset application scenario for financing and programmable settlement.
CZ agrees with Arthur Hayes
The company's arguments are not limited to using cryptocurrency to purchase goods and services, but also speculate that as AI agents enhance their capabilities and run times extend, they need to obtain computing resources through standardized, transferable claims. Such assets then allow financing and settlement through programmable systems rather than relying entirely on traditional processes. [TAG
The report also distinguishes between the roles of the two technologies: AI is responsible for interpreting information and guiding activities, while blockchain provides machine-readable assets and rules for transferring them. Smart contracts can apply predefined conditions to transactions, and when required criteria are met, assets can move automatically.
本质上,贝莱德将AI描述为数字资产采用的潜在结构性催化剂,同时将数字资产呈现为一个日益自主的经济体可能的基础设施。然而,该报告的核心论点取决于自主系统能否产生足够的可编程支付和代币化权益需求,以证明更广泛使用的合理性。
此前有报道指出,Arthur Hayes曾提出,AI代理消耗的是浮点运算而非日常消费品,并可能希望获得一种可兑换计算资源的代币。此外,CZ曾在今年6月表示,代理式交易和支付将在数月内到来而非数年,并将使用加密货币,因为区块链本身就像API一样运作。

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