3 Forces That Will Unite AI Agents and Stablecoins
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| By Jurica Dujmovic |
Last week, I dropped a bombshell theory.
One that ties together two of the most powerful narratives in crypto: AI and stablecoins.
The writing on the wall tells me that AI agents, not humans, will drive the next wave of stablecoin adoption.
To get the full picture, I suggest you read up on my latest update.
Because three powerful forces have aligned in 2025 that create a perfect storm for this type of machine-driven stablecoin adoption:
- Stablecoin maturity and regulatory clarity: USDC supply has crossed over $65 billion. Ripple's stablecoin, RLUSD, is expanding globally. And the GENIUS Act has provided U.S.-backed stablecoins with a much needed regulatory framework. The infrastructure is robust and compliant, which means the space is ready for progress.
- AI capability breakthrough: We've moved beyond simple chatbots to sophisticated multi-agent frameworks that can decompose complex tasks, execute transactions and verify outputs. All without human intervention.
- Blockchain cost revolution: Layer-2 solutions and high-throughput chains have reduced micro-transaction costs to fractions of a cent. Now, even the smallest AI-to-AI payments are economically viable. The economic barriers have crumbled.
In other words, we have the rails, the users and the cost structure all converging simultaneously.
The only missing ingredient is widespread recognition of what's already happening.
But don’t expect the adoption curve to take a familiar shape. Rather than a gradual shift from traditional payments, we could witness an explosive expansion of economic activity that simply didn't exist before.
By the time mainstream media notices this shift, machine-to-machine transfers could already represent the majority of stablecoin transaction volume.
The "mass adoption" moment might arrive not with consumer awareness, but through invisible infrastructure growth.
The Economic Shift Machines Bring
Once non-human actors begin transacting freely in the digital economy, three fundamental changes reshape the financial landscape:
First, we’ll likely see an explosion in trading volume.
Every second of compute time, every API call, every kilobyte of data transfer, every sensor reading could become a separate transaction.
We're not talking about replacing human payment volume — we're talking about creating entirely new categories of economic activity.
Second, the speed of these transactions will take off.
Machines can redeploy earnings instantly into the next profitable opportunity. No waiting for paychecks, no weekend spending delays. Capital will flow at the speed of logic.
Finally, we can forget outdated Treasury models that rely on human management. Instead, I expect to see an era of algorithmic treasuries dawn. Ones that can earn, spend and reinvest without ever touching traditional banking infrastructure.
In short, they’ll be balance sheets that think.
This creates a parallel economy that doesn't compete with human commerce — it operates beneath it. Running faster, leaner and more efficiently than anything we've seen before.
2030 Vision: The Quiet Flip
Fast-forward five years, and the economic landscape could look radically different:
Just imagine: The majority of stablecoin transaction volume flows through AI-driven systems, with human payments representing a small minority of total activity.
Your personal AI assistant negotiates compute time with providers worldwide, seamlessly managing costs across multiple blockchain networks while you sleep.
Entire categories of autonomous businesses operate exclusively in stablecoins, with no traditional banking footprint whatsoever — their only fiat touchpoint being the treasury management of their human owners.
Smart city infrastructure networks automatically trade resources in real-time stablecoin markets, optimizing everything from traffic flow to energy distribution without human intervention.
For retail investors and everyday users, this transformation will be largely invisible.
You won't consciously "switch to" stablecoins. Your AI agents will have been optimizing your digital life with them for years while you focused on other things.
Not Everything Is Easier with AI
For all the excitement around machine-driven stablecoin adoption, savvy investors need to track several significant risks.
As always, security should take center stage.
That’s because AI wallet compromises could send stablecoins to malicious actors faster and at greater volume than any human-driven attack. And when machines can execute thousands of transactions per second, security breaches become exponentially more damaging.
My concern? Traditional multi-signature solutions may not be fast enough for real-time AI decision-making.
So we’ll need to see serious security upgrades that can match the speed of AI agents.
Another concern is overspending.
Without proper guardrails, an AI agent could theoretically burn through its allocated budget in minutes chasing marginal performance gains.
Imagine a trading bot that decides optimal execution requires renting every available GPU on the network simultaneously.
The cost controls that work for human operators may be inadequate for algorithmic actors.
And, of course, regulatory uncertainty will rock this revolution just as it did the initial stablecoin push.
Current “know-your-customer” and anti-money laundering frameworks assume that there are human actors behind blockchain transactions. People with passports, social security numbers and corporate registrations.
Who is the "customer" platforms need to know when both transacting parties are autonomous algorithms owned by different entities in different jurisdictions?
It’s not hard to see that our current regulatory infrastructure — while improving — hasn't caught up to the technological reality.
Speaking of lagging technology, AI agents capable of autonomous transactions could theoretically manipulate the markets. That’s because they can coordinate behavior in ways that manipulate stablecoin demand or underlying markets.
Doing so may even highlight shortfalls in stablecoin infrastructure to create new categories of systemic risk.
The Investment Thesis: Position Before the Flood
The bottom line for investors is deceptively simple: Stablecoins aren't just another payments product competing for wallet share. They're in position to become the monetary operating system for an entirely new category of economic activity.
The early signals are already visible in GPU rental markets, decentralized AI platforms and autonomous agent frameworks.
But we're still in the quiet phase ... the moment before exponential adoption curves go vertical.
The opportunity isn't limited to holding stablecoin tokens, though that's certainly part of the equation.
The real alpha opportunity lies in owning the infrastructure, the rails and the platforms that will carry this traffic as it scales from experimental to essential.
Because when machines start transacting at machine speed, the companies providing those payment rails are going to get very busy, very quickly.
Best,
Jurica Dujmovic
P.S. You don’t have to wait until you benefit from AI advancements. And you don’t need to dive into the new realm of blockchain-based AI agents, either.
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You can hear Martin break down how this system works in detail here.
But this video will go offline tonight. Meaning this is your last chance to learn more.
