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AI agents could become the next major use case for blockchain and cryptocurrency. Sandy Kaul, head of digital assets and innovation at Franklin Templeton, expressed this view.
In a post on X, she noted that the growth of the AI agent economy would increase demand for blockchain protocols capable of processing machine-to-machine micropayments. Traditional card networks are less suitable for this purpose because of their high fees and lengthy settlement times.
According to Kaul, investors seeking exposure to the growth of AI currently tend to buy stocks of specialized companies and related industries. However, this approach may not be sufficient when it comes to autonomous AI agents.
She believes networks such as Aptos, Solana and BNB Chain are better suited to the emerging economy. They settle transactions within seconds, while payments through traditional financial systems can take between one and three business days.
Visa and investment research platform Artemis previously reached a similar conclusion. In a joint report, they said bank cards were designed for relatively infrequent payments between people and are poorly suited to AI agents. These agents need infrastructure with near-zero fees and fast settlement to make large-scale micropayments economically viable.
In March, Visa’s crypto division and Stripe-backed project Tempo introduced their own AI tools. Visa’s solution enables AI agents to complete payments within the same day.
Some specialized protocols are already showing early signs of adoption. Coinbase-developed payment protocol x402 has processed $15 million in adjusted volume across more than 109 million transactions since its launch in May 2025.
AI agents are artificial intelligence-powered programs capable of doing more than simply responding to requests. They can independently carry out assigned tasks, analyze information, make decisions, access external services and complete a sequence of actions without constant human supervision. For example, an agent could find a suitable product, compare offers, place an order and complete the payment.
The main advantage of AI agents is their ability to automate complex processes. They can manage schedules, process documents, perform calculations, execute trades or interact with other software. To do this, they need payment infrastructure capable of handling a large number of small transactions quickly and at low cost. This is why blockchain and stablecoins are increasingly viewed as a possible foundation for an economy of autonomous digital assistants.
JPMorgan is also testing AI agents for allocating stocks and bonds.