AI agents will emerge as a new catalyst for the growth of stablecoins, according to Bernstein., 2026/03/24 12:05:25

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AI agents will become a new growth driver for stablecoins — Bernstein0

The stablecoin market has found a new long-term growth catalyst—autonomous programs based on artificial intelligence (AI agents), according to analysts from the brokerage firm Bernstein.

They estimate that companies like Circle and Coinbase could emerge as primary beneficiaries of the integration of AI-driven payment systems, as they provide the necessary infrastructure for such transactions.

“Unlike traditional subscription-based auto-payments, these transactions occur in real-time. Programs can independently negotiate terms and execute settlements without human intervention,” Bernstein noted.

Analysts believe that are well-suited for this model due to their programmability, rapid settlement speeds, and low fees, which facilitate micropayments.

“Conditions for fund retention or automatic revenue distribution can be encoded within the token. Moreover, the AI agent does not need to interact with banks or conventional payment systems,” the experts added.

Even in the absence of widespread adoption of machine-driven payments, demand for stablecoins from the traditional financial sector is expected to continue increasing. Companies are utilizing them for cross-border transactions, while users are employing them for remittances.

Bernstein also highlighted that a distinct segment of fintech companies is already forming around the stablecoin infrastructure, and its scale could significantly expand in the coming years.

Previously, Duquesne Capital founder Stanley Druckenmiller stated that global payment systems might transition to stablecoins within the next 10 to 15 years.