AI agents begin using crypto wallets, blurring the lines between DeFi and automated finance.

Huo Xing Finance reports that on June 15, as "Agentic AI" capabilities advance, AI systems are transitioning from informational tools to autonomous agents capable of executing economic actions, including connecting to crypto wallets and performing on-chain operations. Research indicates that such AI agents could futurely monitor portfolios, initiate transactions, pay service fees, and execute DeFi strategies, though most remain in a controlled "human-in-the-loop" phase. Due to blockchain’s 24/7 operation, absence of traditional banking identity systems, and programmable execution, it is considered better suited than traditional financial systems for AI agents to handle micropayments and automated settlements. However, this also introduces new risks, including prompt injection attacks, erroneous transaction execution, privilege abuse, and security vulnerabilities in smart contract interactions. The industry is developing "agent wallets" that limit AI behavior through whitelisting, spending limits, multi-signature mechanisms, and time-based permissions. Analysts believe the future will likely favor a "constrained autonomy" model, where AI operates within predefined rules rather than fully autonomously controlling funds. In the long term, AI agents may directly conduct on-chain transactions—such as purchasing data, computing power, or API services—transforming wallets into machine identities and payment interfaces. However, regulation and liability remain unresolved core challenges.