A former managing director at Morgan Stanley believes markets are mispricing the convergence of stablecoins and AI agents, creating a rare structural opportunity that could give Bitcoin a massive shot in the arm.
In a new Substack post, Jordi Visser says investors are not looking deep enough to see what could happen in the financial world once stablecoins and AI agents are deployed en masse.
According to Visser, stablecoins are now widely adopted, and adding AI agents into the mix could supercharge the movement of money around the world.
“Markets largely price stablecoins as crypto infrastructure and AI agents as productivity tools. The systemic transformation emerging at their intersection remains underappreciated. This mispricing creates what I believe is the most compelling temporal arbitrage in financial markets today. Every stablecoin transaction requires a wallet. Every AI agent managing money needs on-chain infrastructure. The $33 trillion in stablecoin volume processed last year didn’t just move value, it opened millions of wallets, onboarded new users, and pulled fiat currency into the digital economy.”
According to Visser, when AI agents begin to use stablecoins, the dynamic would create a self-reinforcing loop that expands the digital asset ecosystem beyond speculation, while disrupting the fractional reserve banking system in the process.
“This is a self-reinforcing flywheel: more agent activity drives more stablecoin demand, which drives more wallet creation, which expands the addressable market for every digital asset. Fractional reserve banking wasn’t invented because leverage was inherently good. It was invented because settlement was slow. The system created velocity through debt because it couldn’t create velocity through technology.”
In the age of stablecoins and AI agents, Visser believes that the role of debt and money printing to stimulate the economy will be drastically reduced as people move money at an unprecedented speed.
“What happens when programmable money and autonomous agents push velocity structurally higher, not through more debt, but through faster settlement and continuous optimization? You get GDP growth without proportional money printing. That’s the non-inflationary unlock that makes this convergence macroeconomically significant, not just technologically interesting.”
The framework underpins his conviction about Bitcoin’s performance this year.
“This is why I believe Bitcoin will be the best-performing major asset in 2026. Not because of speculation or narrative momentum, but because of plumbing. Stablecoins are the on-ramp infrastructure for the digital economy. As that infrastructure scales, processing tens of trillions annually and growing, it systematically expands the pool of participants with wallets, exchange accounts, and comfort transacting in digital assets.
Bitcoin sits at the apex of that ecosystem as the established store of value with the deepest liquidity, the longest track record, and now, unprecedented institutional access through spot ETFs.”
He says that investors are not positioned to capture the upside if billions of dollars in idle capital hit escape velocity.
“The question for investors isn’t whether commerce migrates to programmable rails. It’s whether portfolios are positioned for what happens when money finally moves at the speed of information and billions of dollars in trapped capital break free.”
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