A future where artificial intelligence handles not just data but money is closer than many expect, according to Galaxy Digital’s Mike Novogratz.
The billionaire investor told Bloomberg that autonomous AI systems are likely to become the primary drivers of stablecoin transactions, surpassing human users.
He envisions a world where digital assistants act on behalf of people—ordering groceries, paying bills, or managing subscriptions—without going through banks or payment apps. Stablecoins, he argued, provide the perfect rails for that kind of activity because they settle instantly, cost little, and bypass traditional financial intermediaries.
From Niche Asset to Payment Standard
Stablecoins have already moved well beyond the crypto-native community. Global brands are experimenting with them to cut fees and speed up settlement. Apple, Google, and Airbnb have quietly been testing integrations, while retailers like Spar in Switzerland already accept them at the checkout. Visa has also broadened its platform to include multiple dollar- and euro-backed stablecoins, reflecting rising demand across the payments industry.
AI Meets Web3
If current momentum continues, Novogratz predicts AI agents will be the ones pushing stablecoin adoption into the mainstream. Unlike typical AI chatbots, these agents can act independently, execute smart contracts, and interact with blockchain systems directly. Startups are racing to build the infrastructure to support this new use case.
One example is Kite AI, which recently raised $18 million in a funding round led by PayPal Ventures. Another is Clanker, a Web3 application that lets AI agents mint tokens automatically—already generating tens of millions of dollars in activity for its users.
The Road Ahead
For Novogratz, this isn’t just a thought experiment. He believes the combination of AI and stablecoins will transform payments faster than most regulators or investors expect. The question, in his view, isn’t if this shift happens—but when.
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Alex is an experienced financial journalist and cryptocurrency enthusiast. With over 8 years of experience covering the crypto, blockchain, and fintech industries, he is well-versed in the complex and ever-evolving world of digital assets. His insightful and thought-provoking articles provide readers with a clear picture of the latest developments and trends in the market. His approach allows him to break down complex ideas into accessible and in-depth content. Follow his publications to stay up to date with the most important trends and topics.
Source: https://coindoo.com/stablecoin-growth-could-be-driven-by-ai-says-galaxy-digital-ceo/