The president of Bitwise says artificial intelligence agents and cryptocurrencies are converging in ways that could bypass traditional banking systems entirely.
In a new post on X, Teddy Fusaro says autonomous AI systems will require financial infrastructure that moves at machine speed, not human speed, and that crypto is uniquely positioned to fill that role.
Fusaro says the shift is structural, noting AI agents and crypto naturally reinforce each other.
“AI agents and cryptocurrencies fit naturally together in ways many don’t understand yet. Together, they will form systems where software can think, decide, and transact without waiting on humans or rigid traditional banking processes. Crypto provides what AI agents need to achieve autonomy.”
Fusaro breaks down those capabilities, emphasizing the removal of friction built into traditional finance.
“Permissionless access (no paperwork, bank tellers, account opening)
Programmable money (smart contracts)
Global, real-time settlement (quick finality, cross-border)
No human ID requirements.”
He contrasts those capabilities with the constraints of the existing banking system, which he says are incompatible with autonomous software.
“AI agents aren’t going to be waiting around for a bank account to get opened or for a wire to go cross-border for three days and only on weekdays (lol).”
Last weekend, former Morgan Stanley executive Jordi Visser said that AI agents and crypto will increase the velocity of money. According to Visser, AI agents will accelerate how fast financial decisions are made, ultimately triggering rallies for Bitcoin and higher-beta altcoins.
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