Tether co-founder says AI could mark turning point for crypto market
Artificial intelligence could play for blockchain the same role that the web browser played for the internet in the early 1990s. That comparison was made by Tether co founder and former CEO Reeve Collins during a conversation with MN Capital analyst Michael van de Poppe.
Collins argues that the main obstacle facing crypto is not the technology itself, but its complexity. As long as users have to deal with fees, networks and private keys, mass adoption will remain limited. In his view, AI can remove much of that technical friction, CoinPedia reports.
Wallet as a conversation, not an interface
Collins described a scenario in which users interact with their crypto wallets through dialogue rather than complicated dashboards. “Artificial intelligence will significantly simplify this process, as you will entrust your agents to carry out these transactions,” Collins said.
He was referring to AI agents capable of allocating funds, rebalancing portfolios and selecting optimal transaction routes based on speed, cost and liquidity. The user sets the objective, and the algorithm executes it on chain.
On Feb. 10, Coinbase introduced Agentic Wallets, allowing AI agents to operate and trade autonomously. Stripe co founder John Collison has spoken about a potential “flood” of commerce between AI agents powered by stablecoins. Binance CEO Richard Teng also named AI agents and stablecoins among the key trends for 2026.
Why stablecoins are central
Collins believes stablecoins are particularly suited for machine driven payments due to price stability and round the clock settlement. According to Bloomberg and Artemis Analytics, stablecoin transaction volume could reach $33 trillion in 2025, up 72% year over year and exceeding Visa annual volume.
Collins also criticized centralized platform models.
“Specialized companies will emerge that do not have the high overhead costs of Facebook and can start from scratch, using blockchain exclusively and a business model where all rewards or profits are returned to the user’s pocket in the form of tokens,” he said.
He added: “It is the content creators who put all this value into the system. And they should be rewarded much more.”
Collins has launched his own protocol, STBL, backed by OKX Ventures. If AI agents scale, it could reshape the structure of digital platforms — from who earns revenue to who controls money.
At the same time, new risks emerge: whether users will trust algorithms with their assets, and who bears responsibility if an autonomous agent makes a mistake or is compromised.
Read also: Tether may join top-10 US treasury holders in 2026
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