Galaxy Digital CEO Mike Novogratz warns that AI agents will soon become major users of stablecoins, driving an explosion in stablecoin transactions as autonomous software completes everyday purchases and payments on behalf of users.
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AI agents will drive mass stablecoin transactions
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Autonomous agents can make purchases, settle payments, and interact with on-chain services without manual wiring.
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Institutional surveys show ~90% of firms are exploring stablecoins; early integrations by major merchants and payment networks support growth.
AI agents use stablecoins to automate payments and purchases; read how this shift may expand stablecoin transactions — analysis by COINOTAG.
What are AI agents and how will they use stablecoins?
AI agents are autonomous software programs that perceive environments, make decisions, and act without continuous human input. Experts say AI agents use stablecoins to settle payments autonomously, enabling automated purchases and low-fee, cross-border value transfers.
How did Mike Novogratz describe the trend?
Galaxy Digital CEO Mike Novogratz told Bloomberg that “in the not-so-distant future, the biggest user of stablecoins is going to be AI.” He illustrated a grocery agent that chooses items and completes payments without manual wires or Venmo transfers. Novogratz expects an eventual “explosion of stablecoin transactions.”
Michael Novogratz. Source: Wikimedia
Why are stablecoins well-suited for AI-driven payments?
Stablecoins provide predictable value, programmable settlement, and fast on-chain transfer—qualities that match autonomous decision-making needs. Merchants and payment platforms have begun testing stablecoins to reduce fees and speed cross-border flows.
Industry moves reported in mid-2025 include merchant pilots and payment network integrations that expand usable stablecoin rails and lower friction for agent-driven commerce.
What infrastructure changes are needed for agent-led Web3 use?
AI agents require intent-based blockchain middleware that translates high-level goals into safe transactions. Developers and infrastructure providers are building middleware to prevent unintended outcomes and to manage privacy, gas costs, and transaction ordering.
Startups raising capital and projects integrating AI with token and DApp services demonstrate growing supply-side readiness for agent-led activity.
Frequently Asked Questions
Will major merchants accept stablecoins for agent payments?
Some global merchants and payment providers are piloting stablecoin acceptance, and further rollout will depend on regulatory clarity and settlement integrations with existing payment rails.
Can AI agents handle cross-border payments with stablecoins?
Yes. Stablecoins can enable near-instant settlement across borders, lowering fees compared with traditional rails. Agents can choose the most efficient stablecoin for each transaction.
Key Takeaways
- AI-driven demand: Autonomous agents are likely to become major stablecoin users, increasing transaction volumes.
- Infrastructure required: Intent-based middleware and safer transaction primitives are needed to prevent errors.
- Market signals: Merchant pilots, payment network integrations, and institutional interest point to accelerating adoption.
Conclusion
As Galaxy Digital’s Mike Novogratz and multiple industry participants observe, the intersection of AI agents and stablecoins could reshape everyday payments by enabling automated, low-cost transactions. Continued infrastructure work and merchant adoption will determine the pace, but the trend points to meaningful growth in stablecoin transactions. Stay updated with COINOTAG for further analysis and developments.
