Agentic AI

Dallas Fed economists estimate that tokenized deposits could reduce U.S. banks’ capacity to absorb long-term interest-rate risk by about $700 billion if depositors become more rate-sensitive. The concern is that programmable deposits, instant settlement and AI agents could make bank funding less stable and more expensive.

Autonomous AI agents are expected to need fast, programmable payment systems as they begin buying services, data and computing resources with limited human input. That shift is putting blockchain networks and crypto assets back into the discussion as investors search for the next phase of the AI trade.