ИИ-агенты могут стать ключевыми игроками в эволюции стейблкоинов Translation: AI agents may become key players in the evolution of stablecoins.

AI agents could become a key contributor to the next wave of stablecoin adoption, transforming market fragmentation into an advantage. This was stated by Bhavik Kotecha, co-founder of Paxos, during an interview with Cointelegraph.

Recently, the market capitalization of the segment surpassed $300 billion. However, the landscape is fragmented across jurisdictions and various models of «pegged» tokens, which issuers create based on their unique business needs. In addition to the dominant USDT and USDC based on the dollar, there are other options such as the synthetic USDe from Ethena and the payment-oriented PYUSD from PayPal.

Kotecha acknowledged that fragmentation poses risks related to liquidity fragmentation and confusion among users, which could hinder the further adoption of stablecoins.

According to the expert, AI agents—autonomous software capable of making decisions and performing tasks such as trading or fund transfers without human involvement—could resolve these issues.

AI agents will be able to “instantly switch” between any stablecoin platforms to find the most favorable economic conditions.

“This suggests that fragmentation doesn’t necessarily hinder progress—it could act as an optimizer at the market level, where AI directs liquidity flows to the most efficient issuers. Over time, this may lead to lower fees and compel providers to compete based on fundamental metrics,” Kotecha stated.

Mike Novogratz, CEO of Galaxy Digital, anticipates that “in the not-so-distant future, artificial intelligence will become the largest user of stablecoins.”

Users will be able to delegate their daily purchases and bill payments to an AI agent, which will autonomously conduct the necessary transactions, the entrepreneur clarified in an interview with Bloomberg.

He noted that artificial intelligence will not utilize banking or payment services but will rely on fiat-pegged tokens.

In September, Google launched an open-source protocol that enables AI applications to send and receive payments using «stablecoins.» The cryptocurrency exchange Coinbase partnered in implementing this solution.

Network service provider Cloudflare announced the launch of the NET Dollar stablecoin. This asset will allow for fully automated transactions without human involvement.

It is worth mentioning that by 2030, all fiat currencies are expected to be represented as «stablecoins,» predicted Riv Collins, one of the founders of Tether.