Artificial Intelligence (AI) 90% Chose Cryptocurrency...Will Bitcoin (BTC) Dominate the Payment Market?

▲ Artificial Intelligence (AI) Agent, Cryptocurrency Payment/AI-generated Image

As the era approaches where artificial intelligence (AI) agents directly spend money without human approval, Bitcoin (BTC) and stablecoins are emerging as key payment methods for autonomous transactions. A study testing 36 AI models revealed that over 90% of responses chose digital-based currencies over traditional fiat currencies, indicating potential shifts in the payment market.

According to cryptocurrency specialized media Bitcoin.com on July 3 (local time), Alex Kozenko, Chief Marketing Officer at WhiteBIT, stated that autonomous AI agents need a programmable, 24-hour operational payment network to engage in commercial activities. He said, "The combination of AI and cryptocurrency payments is one of the most exciting structural trends currently emerging. AI agents capable of autonomous transactions require a programmable and 24/7 accessible payment network, and cryptocurrency infrastructure naturally fits these needs."

A separate study released by the Bitcoin Policy Institute on March 3 also showed AI models' preference for digital-based currencies. Researchers tested 36 advanced AI models from Anthropic, DeepSeek, Google, MiniMax, OpenAI, and xAI across 9,072 open-ended currency scenarios. Bitcoin was chosen in 48.3% of all responses, followed by stablecoins at 33.2%, with over 90% preferring digital-based currencies, including dollar-pegged stablecoins, over traditional fiat currencies.

Choices varied distinctly depending on the currency's use case. In value storage scenarios, Bitcoin received the highest preference at 79.1%, while stablecoins led in daily payment scenarios at 53.2%. However, the study results do not prove that AI agents would behave in the same way in real commercial environments but rather provide data illustrating why digital-based currencies are gaining attention in discussions about autonomous transactions.

AI agent payments are not yet in the mainstream adoption phase. Kozenko stated, "It is highly probable that another 2 to 3 years will be needed before agent payments become a mainstream commercial reality, but infrastructure decisions being made now will define the future. Companies building payment systems should already be considering machine-readable interfaces." This explains that building a payment environment that software, not humans, can directly understand and use is the remaining technical challenge.

While cryptocurrency payment networks meet the conditions of programmability and 24-hour operation, machine-readable interfaces and actual payment use cases for AI agents to use on a large scale in commercial settings have not yet reached maturity. Kozenko suggested that mainstream commercialization of agent payments is 2 to 3 years away, and future payment infrastructure design is considered a key task that will determine the foundation of the autonomous transaction market.

[Article Key Summary]

-In a study testing 36 AI models, over 90% of responses chose digital-based currencies over traditional fiat currencies.

-Bitcoin accounted for 48.3% of all responses, stablecoins for 33.2%, with stablecoins leading in daily payments at 53.2%.

-Kozenko predicted that AI agent payments would require 2 to 3 years to enter the mainstream commercial market.

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