As stablecoins gain momentum in global finance, AI agents are emerging as the key force driving adoption. Galaxy Digital founder Mike Novogratz predicts that AI will soon become the largest user of stablecoins. From payments to autonomous economies, this convergence is reshaping the future of Web3. At the forefront of this shift, XWorld has already built a self-sustaining ecosystem that integrates AI agents and stablecoin-powered transactions.
Stablecoins, digital assets pegged to fiat currencies such as the U.S. dollar, have become the backbone of digital finance. They offer price stability, rapid settlement, and cross-chain interoperability. As of August 2025, the global stablecoin market cap has reached $280 billion, accounting for 7% of the total crypto market.
In the U.S., the GENIUS Act (Guidance and Establishment for National Innovation of U.S. Stablecoins), passed in July 2025, has provided long-awaited regulatory clarity—boosting confidence and accelerating adoption.
At the same time, the rise of AI agents is bringing new possibilities to stablecoin usage.
This mainstream adoption coincides with the emergence of AI-driven automation.
Galaxy Digital founder and CEO Mike Novogratz told Bloomberg: “In the not-so-distant future, the biggest user of stablecoins is going to be AI.”
He envisions AI agents handling everyday transactions on behalf of users:
Coinbase developers echo this, suggesting that AI agents may become Ethereum’s largest power users, leveraging protocols like HTTP 402 for autonomous payments.
Research firm Bernstein projects the stablecoin market could reach $3 trillion by 2028, with AI adoption acting as a major driver.
While the industry debates the “AI + stablecoin” future, XWorld is already building it.
Launched in 2023, XWorld has grown into a self-sustaining agent economy, combining AI training, tokenized incentives, and stablecoin-based settlements. Users can create, deploy, and monetize AI agents across entertainment, gaming, and productivity—while stablecoins enable frictionless, global payments.
Key ecosystem highlights:
These figures prove that the foundation of an autonomous agent economy is already in place.
Amid regulatory tailwinds and accelerating adoption, XWorld is set to lead the convergence of AI and stablecoins:
The convergence of AI agents and stablecoins is more than a possibility—it is already unfolding. Stablecoins are evolving from financial instruments into the currency of autonomous systems, and XWorld is at the forefront of making this transformation real.
The next chapter of Web3 will not only be decentralized but also autonomous, agent-driven, and powered by stablecoins.
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