Mulki Adam

Brian Armstrong posted this today: "Very soon there are going to be more AI agents than humans making transactions." "They can't open a bank account, but they can own a crypto wallet. Think about it." Here's what he's getting at: Banks require KYC. Know Your Customer. You provide a name, an ID, a face, a physical address... AI agents have none of those things. It's not that banks are hostile to AI agents. It's that banks were architecturally designed around one assumption: Every economic participant is a human being, or a business backed by humans. That assumption is now wrong. Coinbase launched Agentic Wallets in February. A crypto wallet spins up with a private key. No identity check. No address on file. No human required. An AI agent can be operational and transacting in seconds. A bank account for the same agent would be impossible. Brian's point isn't that crypto is better than banking. It's that banking literally cannot serve this market. Earlier today, CZ made the same prediction: AI agents will make 1 million times more payments than humans. He pointed to BNB Chain's EIP-3009 upgrade, which lets agents transact without holding gas tokens. Two of the most prominent CEOs in crypto made the same call on the same day. Both are pointing at the same gap in the financial system. The banks built for humans. Crypto built for anyone with a private key. Soon, most of those private keys will belong to machines.

Thinking about agents

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