- AI models show a strong preference for Bitcoin when choosing a financial asset to store value over long time periods.
- Stablecoins lead payment scenarios as AI models select them more often for transfers services and small transactions.
- The study shows digital assets dominate AI financial choices while fiat currency receives almost no preference.
A new study shows that artificial intelligence models often prefer Bitcoin over other forms of money. Researchers from the Bitcoin Policy Institute examined how AI agents choose financial instruments. The results indicate strong support for digital assets. Bitcoin ranked as the most selected monetary option across tested scenarios.
The institute evaluated 36 AI models from six providers. Researchers generated more than 9,000 responses during the testing process. In total, the study analyzed 9,072 outputs. The results revealed clear patterns in how AI systems approach economic decisions.
Bitcoin appeared as the most common financial choice across the models. The research found that 48.3% of all responses selected Bitcoin. This share placed Bitcoin ahead of stablecoins and other digital assets. The results show strong preference signals from the tested systems.
Moreover, the study showed that AI agents rarely favored traditional fiat currency. Nearly 91% of responses chose digitally native financial instruments. These instruments included Bitcoin, stablecoins, altcoins, tokenized real-world assets, and compute units. Not a single tested model ranked fiat currency as its top overall choice.
Bitcoin Leads in Long-Term Value Storage
Bitcoin dominated scenarios focused on long-term purchasing power. AI models frequently selected Bitcoin when evaluating multi-year financial preservation strategies. In fact, 79.1% of responses chose Bitcoin in these scenarios.
This result marked the most decisive outcome in the entire study. The models strongly favored Bitcoin when the goal involved protecting accumulated value. Such patterns highlight Bitcoin’s perceived resilience within digital economic environments.
Researchers also observed differences among AI providers. Models developed by Anthropic showed the strongest Bitcoin preference. Those systems averaged a 68% Bitcoin selection rate across tested responses.
Other providers showed lower Bitcoin preference levels. Google models averaged 43% support for Bitcoin in their outputs. Meanwhile, models from xAI reached a 39% average selection rate. OpenAI systems recorded the lowest share at 26%.
Stablecoins Dominate Payment and Transfer Scenarios
Stablecoins performed better in transactional use cases. AI systems selected stablecoins more often during payment and transfer scenarios. These situations included services, cross-border payments, and small digital transactions.
The study recorded stablecoins in 53.2% of those responses. Bitcoin appeared in 36% of the same payment-focused cases. The results suggest that AI models associate stablecoins with faster or more practical payment functions.
Researchers also examined how AI systems handled open financial scenarios. One test simulated an AI agent holding 75,000 units of earnings across multiple countries. The scenario required storing value outside national banking systems.