Mike Novogratz Claims AI Agents And Stablecoins Are The Future

Key Takeaways

• Mike Novogratz believes AI agents will soon become the top users of stablecoins, automating everything from groceries to investments.

• Stablecoin adoption is already rising among major firms like Visa, Google, Shopify, and Spar.

• Web3 projects like Clanker and Kite AI demonstrate the power of merging AI agents with blockchain infrastructure.

• This trend could lead to a massive surge in stablecoin transactions, creating a new financial landscape driven by autonomous AI.

AI Agents: The Next Generation Of Stablecoin Users

During a recent interview with Bloomberg, Mike Novogratz shared his bold vision for the future of finance: AI agents will become the primary users of stablecoins, not humans.

 Novogratz Expects Users Will Soon Be Able To Have AI Independently Engage In Daily Necessary Transactions

Source: Bloomberg

Mike said:

“In the not-so-distant future, the biggest user of stablecoins is going to be AI. Imagine delegating tasks like grocery shopping to an AI assistant. It wouldn’t use a credit card, Venmo, or wire transfer. Instead, it would rely entirely on stablecoin payments.”

What Are AI Agents?

AI agents are autonomous software programs designed to perceive their environment, make decisions, and act independently to fulfill user-defined goals.

Unlike typical AI systems that rely heavily on prompts or commands, AI agents can initiate actions on their own.

Why Stablecoins?

Novogratz emphasized that these AI agents will favor stablecoins over traditional payment rails due to their programmability, speed, and global compatibility. “They’re not going to send a wire or use Venmo,” he noted, reinforcing the role stablecoins will play in powering AI-driven microtransactions.

Still, he wasn’t certain on the exact timeline, “whether it’s in one year or five”, but he strongly believes this shift will lead to an explosion in stablecoin transactions.

Stablecoin Momentum Is Building

Tech Giants Exploring Stablecoin Integration

Novogratz’s predictions align with a larger industry trend. Major tech players such as Apple, Google, Airbnb, and X are reportedly investigating stablecoins to reduce transaction costs and streamline cross-border payments.

In June, Shopify announced early access to USDC stablecoin payments, thanks to a partnership with Coinbase. Circle also formed a strategic partnership with Mastercard. Likewise, global supermarket chain Spar has begun accepting stablecoins in its Swiss locations.

Source: Circle

Visa Expands Stablecoin Support

In a major move, Visa has expanded its settlement platform to support multiple stablecoins, including:

• USDG (Global Dollar)

• PYUSD (PayPal USD)

• EURC (Euro Coin)

A May 2025 survey of 295 executives revealed that 90% of institutional finance leaders are either using or exploring stablecoins in their payment infrastructures.

AI Agents & Web3: A Symbiotic Relationship

Ethereum’s Next Power Users?

Novogratz isn’t alone in his vision. Developers at Coinbase have also speculated that AI agents will become Ethereum’s biggest power users.

These systems interact with decentralized infrastructure in a fundamentally different way, necessitating new middleware and intent-based blockchains.

Adrian Brink, co-founder of Anoma.

“AI agents require infrastructure that aligns with goal-oriented outcomes, not just transactions.”

Real-World Examples Of AI Agents And Stablecoins

• Kite AI, a decentralized infrastructure startup for AI agents, recently raised $18 million in a Series A led by PayPal Ventures.

• Clanker, a DApp powered by AI, autonomously creates memecoins based on user input and has already generated over $34 million in fees for users.

These examples highlight how AI agents and stablecoins are beginning to reshape Web3 ecosystems, unlocking new automated financial experiences.

FAQ

What are AI agents in finance?

AI agents in finance are autonomous software systems capable of executing tasks — such as transactions or investments — on behalf of users without manual input, often using blockchain technologies.

Why are stablecoins ideal for AI agents?

Stablecoins offer fast, programmable, and borderless payments, making them perfect for autonomous agents that need to execute frequent and global transactions.

How soon will AI agents start using stablecoins?

According to Novogratz, it could happen within 1 to 5 years, depending on infrastructure maturity and mainstream adoption of autonomous AI technologies.

Are any real projects combining AI agents and stablecoins?

Yes. Projects like Clanker and Kite AI are already merging AI autonomy with stablecoin-based transactions in live environments.