The future of stablecoin payment from AI Agent payment

Last year, I wrote an article about @Byte__AI in the Virtual ecosystem to achieve off-chain shopping scenarios. This news was sent out by the co-founder of Coinbase on Twitter at the time. The co-founder was very excited about the breakthroughs achieved by this AI Agent in practical applications.

But after that, this AI Agent gradually lost its voice and was drowned in a group of more dazzling and cooler AI Agents in the Virtual ecosystem.

Recently, Coinbase began to frequently hint that @Byte__AI may be integrated into the wallet as the default configuration in revealing the latest progress of its crypto wallet. More and more people have begun to discuss this topic online.

@Byte__AI, which is in the spotlight, also frequently shows its latest progress. It is increasingly used for off-chain shopping: buying coffee, buying Mexican food... In these scenarios, it uses USDC to complete the payment.

If Coinbase really integrates it into its own wallet, coupled with the recent listing of Circle, which is in the limelight, we can boldly guess that Coinbase will use its wallet as an entry point to help users, especially American users, seamlessly realize stablecoin payment scenarios in real life.

These days, Circle's listing has attracted a lot of attention not only in the traditional financial sector in the United States, but also in the crypto ecosystem. People's focus is on the application of stablecoins. As for the application of stablecoins, the focus of people's discussion in the past is basically concentrated in two areas: one is to avoid the sharp fluctuations of assets such as Bitcoin in crypto investment, and the other is to use it in payment scenarios.

We are already very familiar with avoiding the sharp fluctuations in Bitcoin prices. As for stablecoin payments, I have not paid much attention to them for a long time:

First, because there are various obstacles to the use of stablecoins in terms of supervision.

Second, I really don’t see why stablecoins are necessary when overseas credit card payments are still the mainstream and domestic Internet payments are monopolized?

Now, Circle’s listing has basically cleared the main problems that may exist in stablecoin regulation, paving the way for the large-scale use of stablecoins.

On the other hand, the progress of AI Agents in the past few months has shown us a scenario where stablecoin payments are much more efficient than current Internet payments:

When a person goes on a business trip to another place, according to the itinerary, he needs to book a flight, a taxi, a hotel, and then book various subsequent reservation services.

According to the current method, each of these services requires manual online search, booking interface, and online payment.

But if AI Agents are used, it can find the best options for all these booking services in a very short time, and then pay all at once. In this case, the efficiency of AI Agents using stablecoins to pay on the blockchain is much higher than that of people using traditional Internet payments.

From this scenario, we can further infer that in the future, it is very likely that the services a person needs will be coordinated by multiple AI Agents, and this coordination process will involve a large number of payment scenarios. At that time, through the use of on-chain interaction and on-chain payment between AI Agents, the efficiency will be much higher than manual operation.

To sum up, the future of stablecoin payment lies not in humans but in AI Agents.

In my opinion, the purpose of stablecoin payment is not to replace the existing Internet payment or credit card payment, but to create a new infrastructure for AI Agents payment and clear the obstacles for AI payment.

Thinking in this way, the future of stablecoins can see hope and potential.

Back to reality, although the various functions currently displayed by @Byte__AI still look very simple and the service form is still very single, it is conceivable that once Coinbase vigorously promotes this development direction, the future development of @Byte__AI will definitely be pushed to the forefront.

On the other hand, even if @Byte__AI's development is not satisfactory, I believe that other competing products will emerge, and AI Agents used in the stablecoin payment track will emerge in large numbers.

By then, wallets like Coinbase that integrate AI Agent payments may be built into Alipay on the chain.

If China has surpassed developed countries in payment applications by surpassing credit card payments through Internet payments, then in terms of on-chain payments, I estimate that many American companies will probably seize this rare opportunity to turn the tide.