Chainalysis: AI and encryption are ushering in the era of "smart agent payments".

According to a report released by Chainalysis, AI and encryption technologies are rapidly converging, moving from traditional risk control and monitoring towards "Agentic Payments"—AI can proactively make decisions and initiate transactions within pre-defined rules and compliance frameworks, while blockchain handles transparent and auditable execution. The report points out that AI has significantly improved efficiency and accuracy in areas such as fraud prevention, on-chain monitoring, compliance AML/KYT, and security defense, while reducing false positives; meanwhile, institutions such as Visa, PayPal, Google, and Coinbase have already deployed AI-driven payment and machine micro-payment standards. (Chainalysis)