According to Bernstein, companies Circle and Coinbase may become key beneficiaries of the implementation of AI-powered payments, as they provide the infrastructure for such operations.
"Unlike traditional subscription auto-payments, these transactions occur in real time. Programs can autonomously negotiate terms and conduct calculations without human involvement," noted Bernstein.
Analysts believe that stablecoins are suitable for this model due to programmability, high transaction speeds, and low fees, making micropayments possible.
"Conditions for holding funds or automatic distribution of revenue can be embedded in the token's code. At the same time, the AI agent does not require interaction with banks or traditional payment systems," experts added.
Even without the mass adoption of machine payments, demand for stablecoins from the traditional financial sector will continue to grow. Companies use them for cross-border settlements, while users use them for transfers.
At Bernstein, it was also noted that a separate segment of fintech companies is already forming around the infrastructure of stablecoins, and its scale may significantly increase in the coming years.
Earlier, the founder of Duquesne Capital, Stanley Druckenmiller, stated that global payment systems could switch to stablecoins within 10–15 years.