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ARK Investment CEO: AI agents will reshape stablecoins and blockchain payment networks

2026-10-04 03:14:57
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AI智能体进入新阶段:从提供答案到主导金融决策

人工智能智能体(AI Agents)正迈入一个新的发展阶段,其功能已不再局限于简单地提供信息或答案,而是开始参与财务决策并执行交易。这一演变促使投资者和大型科技公司重新思考机器驱动的商业活动将如何运作,以及哪些金融网络将从中受益。

AI智能体与去中心化金融

ARK Invest首席执行官Cathie Wood在休斯顿举行的Robinhood峰会上表示,投资者现在应当“跟随智能体的脚步”来识别技术领域的未来趋势。Wood将AI智能体——即能够代表用户执行任务的软件程序——定义为投资者关注的下一个重点领域。她指出,随着这些智能体自主性的增强,它们的选择将对哪些网络和服务脱颖而出产生重大影响。

历史上,开发人员往往被视为技术采纳的风向标,因为他们通常是高价值工具的早期采用者。当AI智能体开始就支付方式和服务商做出独立选择时,它们的聚合行为将成为数字经济体需求变化的重要指标。

行业专家指出,稳定币和区块链技术日益成为AI智能体不可或缺的基础支付通道。随着购买数据、租赁计算能力或获取数字服务等交易的自动化,区块链能够使这些支付直接在软件智能体之间进行,从而绕过传统中介的需求。

智能体金融基础设施的竞争

SharpLink联合首席执行官Joseph Chalom(此前曾任贝莱德数字资产负责人)最近强调,智能体金融的发展应保持开放,而不是由少数几家银行或科技公司主导。Chalom在最近的一篇帖子中强调,保持用户对授权给AI智能体的权限控制,并保留撤销此类权限或监控智能体活动的能力至关重要。

在他的分析中,Chalom指出,像以太坊这样的开放区块链可以作为智能体、应用和公司的通用金融网络,消除了单一技术提供商或银行控制系统中每笔交易的需要。

他进一步强调了让用户在不同金融服务提供商之间转移其AI智能体(包括身份和权限)的重要性,从而防止被锁定在任何一家公司身上。这种方法类似于电信行业的号码携带服务,赋予用户更多的灵活性和控制权。

贝莱德的研究也得出了类似的观点。这家资产管理公司指出,随着AI智能体越来越多地承担诸如支付API调用费用、访问数据或购买云计算时间等任务,市场对专为机器对机器(M2M)交易量身定制的支付系统的需求正在增长。

面向AI智能体的稳定币与支付协议

stablecoins have the potential for round-the-clock, programmable transactions, while blockchain payment protocols facilitate direct micropayments between software systems. Coinbase responded to this trend with the x402 initiative, which aims to allow machines to pay for critical online resources without human intervention.

Coinbase CEO Brian Armstrong recently commented on Platform X that Grok is currently the most active agent trader client on the platform, marking a sign of early adoption, although specific usage data has not been released.

At the same time, traditional financial and technology companies are also exploring their own solutions. Stripe, Visa, Google and OpenAI are all developing ways for AI agents to interact with traditional and modern payment systems. BlackRock predicts that even if new alternatives emerge, traditional payment channels will continue to function.

Investor focus on payment networks and tools

This competitive landscape highlights why Wood's "follow the agent" proposal is particularly important today for cryptocurrency investors and industry observers. If AI agents become core economic players, tracking their transaction patterns will be crucial in assessing whether emerging payment technologies such as stablecoins and blockchain are actually implemented or whether agent-driven business activities are still anchored in traditional systems.

Given the rapidly changing market, investors are increasingly looking for integrated and privacy-sensitive solutions to monitor charts, news and portfolios. In a market where a single decision by the Federal Reserve or a sudden listing of altcoins can change everything in seconds, the demand for tools that respond quickly is growing. Privacy-conscious apps such as CryptoApps are increasingly gaining popularity among active traders, making it possible to monitor in real time, smart price notifications, and obtain critical macroeconomic data without creating accounts or switching between multiple platforms.

If AI agents continue to take on a greater role in digital transactions, investors and developers are likely to pay close attention to which networks are being adopted-whether on open blockchain, centralized systems, or a combination of the two.

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