From CZ’s Latest Interview: AI Payment and Stablecoins Are Reshaping Global Payment Infrastructure
In CZ's June 22 interview with Yahoo Finance, he made a very clear judgment on the next stage of Crypto development: Crypto should not only be understood as an asset trading market, but is gradually becoming part of the global financial infrastructure.
Among this, two directions are especially worth paying attention to: AI Payment and Stablecoin.
CZ mentioned that AI can already help users search for information, compare prices, and recommend options, such as finding cheaper flights, better travel routes, or more suitable service choices. However, today’s AI still remains at the “suggestion” and “decision-making” stage, and has not yet truly helped users complete payments and transactions at scale.
Once AI Agents begin to have real execution capabilities, payment will become a key infrastructure.
This is also why CZ believes that if AI companies want transactions to happen smoothly on a global scale, integrating Crypto may be the fastest path. Compared with the traditional banking system, Crypto and Stablecoin naturally have the characteristics of globalization, 24/7 availability, low friction, and programmable settlement, making them more suitable for the automated payment needs that AI Agents may generate in the future.
AI Payment Is Not Just About “AI Spending Money”
WasabiCard CEO Ray said that the focus of AI Payment is not to give an AI Agent a wallet that it can freely control, but to allow payment capabilities to be safely and controllably embedded into automated business processes. “What AI Agents will truly need in the future is a payment execution capability that can be constrained by rules, budgets, and risk controls.”
Therefore, AI Payment should not only be understood as “AI buying things on behalf of users.” What deserves more attention is that when AI Agents begin to participate in real business processes such as ad spending, software subscriptions, cloud service procurement, and supplier settlement, payment will no longer be merely an action manually confirmed by users, but will gradually become part of how systems execute tasks.
Over the past few decades, payment systems have assumed by default that transactions are initiated by humans: users click a button, enter a password, complete authorization, and then the payment system processes clearing and settlement. But the emergence of AI Agents is changing this default premise.
In the future, more and more transactions may not be triggered by humans clicking in real time, but automatically executed by systems based on rules, budgets, and business data. For example:
- AI automatically adjusts ad budgets based on advertising ROI and completes top-ups
- AI automatically renews SaaS tools and cloud services
- AI triggers procurement payments based on changes in inventory and demand
- AI automatically initiates payouts to global teams, creators, or suppliers
- AI executes small, high-frequency, real-time settlements in cross-border business
The common characteristics of these scenarios are: online-based, high-frequency, clearly rule-based, controllable by budget, and often involving cross-border payments.
This also means that the earliest landing scenarios for AI Payment may not be consumer shopping, but enterprise payments, online subscriptions, advertising, cloud service procurement, and cross-border fund distribution.
Stablecoin Is Moving from a Trading Tool to Payment Infrastructure
CZ also specifically emphasized the long-term potential of Stablecoin in the interview. He believes that Stablecoin is not just a trading tool within the Crypto industry, but more like a new form of digital fiat currency.
In the early days, many people understood Stablecoin as a “dollar substitute” inside exchanges, mainly used for deposits and trading settlement. But from a longer-term perspective, the value of Stablecoin is not only in the trading market, but in its potential to become a new foundation for global payments and cross-border settlement.
Traditional bank cross-border transfers often take several days or even longer, while Stablecoin can enable near-real-time value transfer through on-chain addresses. This efficiency gap determines that Stablecoin is not just a tool for Crypto users, but may enter broader commercial payment scenarios.
What is truly worth paying attention to is that once Stablecoin moves from “on-chain balances” into real payment scenarios, it will unlock greater application space:
- Cross-border payments
- Enterprise settlement
- Online consumption
- Advertising payments
- SaaS subscriptions
- Global team expense management
- Platform revenue sharing and creator payouts
- AI Agent automated payments
Therefore, what may be underestimated about Stablecoin is not only its scale, but also the payment scenarios it can enter after becoming part of real business networks.
AI Payment and Stablecoin Are Converging
AI Payment and Stablecoin may seem like two different directions, but they are actually converging.
AI Agents bring a new way to trigger payments.Stablecoin provides a funding and settlement network that is more suitable for globalized, real-time, programmable payments.
Stablecoin Card and payment infrastructure are responsible for connecting on-chain funds to real-world merchants, online services, and enterprise payment scenarios.
Only when these three come together can a truly usable AI Payment infrastructure be formed.
AI Agents cannot remain only at the stage of “making payment decisions.” They also need to be able to complete payment execution safely, compliantly, and reliably. Enterprises also cannot simply give AI an unlimited wallet. Instead, they need budgets, limits, merchant whitelists, risk control rules, permission management, and audit records.
This is exactly where the value of payment infrastructure lies.
WasabiCard’s Role: Bringing Stablecoin into Real Payment Scenarios
For WasabiCard, the AI Payment and Stablecoin trends mentioned in CZ’s interview are highly aligned with our business direction.
WasabiCard is not building a simple wallet product. Our core focus is how to bring stablecoins into truly usable commercial scenarios through Stablecoin Card, global payment capabilities, cross-border fund distribution, and API-driven payment infrastructure.
The value of Stablecoin should not remain only on-chain or inside exchange accounts. It needs to enter real-world payment networks and serve enterprises, platforms, AI products, Web3 companies, and global teams.
The scenarios WasabiCard can support include:
- Enterprises using Stablecoin to complete global online payments
- Web3 and AI companies paying for SaaS, advertising, and cloud services
- Platforms distributing funds to global creators, partners, and suppliers
- Enterprises connecting to real-world merchant networks through card payments
- Developers and enterprises embedding payment capabilities into their own business processes through APIs
- In the future, AI Agents calling payment capabilities within budget and permission rules to complete automated transactions
This also means that what WasabiCard supports is not a single payment action, but a complete set of connectivity capabilities from on-chain funds to real commercial payments.
The Next Stage of Competition Is About Who Can Capture Real Payment Flows
CZ’s judgment gives the market an important reminder: the next stage of Crypto is not only about continuing to prove that asset prices can rise, but about proving that it can become a new infrastructure for global finance, the AI economy, and commercial payments.
The growth of Stablecoin will also not only come from issuance scale or trading demand, but from whether it can enter more real payment scenarios.
AI Payment will create new transaction entities.
Stablecoin will provide a new settlement medium.
Stablecoin Card and payment infrastructure will become important gateways connecting on-chain funds with real-world business networks.
From this perspective, the combination of AI Payment and Stablecoin is not a short-term narrative hype, but a structural change taking place in the global payment system.
WasabiCard is continuing to build around this change: making Stablecoin not only something to be held and transferred, but something that can truly be used by enterprises, platforms, developers, and future AI Agents for payment, settlement, and fund flows.
Future payment infrastructure may no longer serve only humans, but also begin to serve systems.
And the opportunity for Stablecoin Card lies precisely in this new stage: bringing on-chain value into the real business world.
Disclaimer
This article is for general information and educational purposes only. It does not constitute any legal, tax, financial, or other professional advice provided by WasabiCard, nor can it replace relevant professional opinions. WasabiCard makes no express or implied representations, warranties, or commitments regarding the accuracy, completeness, adequacy, or timeliness of the content of this article. To suggest content updates, please contact us at [email protected].