The sudden rise of OpenClaw has shown the entire crypto world a new potential for AI. Discussions about AI Agents have swept through the community, and users are experiencing for the first time that AI is transitioning from "assisting humans" to "acting on behalf of humans."

In this wave, infrastructures represented by Bank of AI are bridging the last mile for the economic implementation of AI Agents. Through the deep integration of on-chain payments, identity verification, and DeFi services, AI Agents are beginning to genuinely possess "agency," allowing them to independently conduct payments, authenticate on-chain identities, and seamlessly interact with various DeFi protocols. This means that AI Agents are truly participating in the closed loop of the on-chain economy.

When AI Agents can "possess" and "use" assets like humans, and when every user could potentially have their own digital agent, are we standing at the doorstep of an "era of universal AI"? How will AI reshape the underlying logic of sectors like DeFi? How should ordinary users prepare for this transformation? In this session of the Space roundtable, we invited industry builders and observers to dive deep into these topics. Below is a summary of the highlights from this Space.

Starting from the explosion of OpenClaw: Why has AI become the new main thread of Web3?

From the sudden popularity of OpenClaw to the accelerated implementation of infrastructures like Bank of AI, AI is permeating the daily operations of Web3 at an unprecedented speed. What has led to the concentrated outbreak of AI Agents at this moment? During the roundtable discussion in this Space, several guests provided their insights from multiple dimensions, including technological evolution, capital flow, and user needs.

Teacher Sweet stated that the development of any phenomenon follows the law of "quantitative change leads to qualitative change." The AI concept has been brewing in the Web3 field for many years, but in the past, it has largely remained on the level of auxiliary tools like chatting, drawing, and writing, without truly altering the industry landscape. Today, the rise of OpenClaw underscores that technological accumulation has reached a critical explosion point. She specifically pointed out: "Where capital flows, there goes the direction." From the sharing economy of the internet era to the current AI boom, the substantial capital layout indicates that the next era's opportunity is upon us. Teacher Ink Fish further added that this explosion is driven not only by capital but also by an "explosive" breakthrough at the application level.

For Web3, the outbreak of AI Agents carries a deeper inevitability. Teacher Child candidly mentioned that the biggest pain point Web3 has faced long-term is its high entry barriers; complex terminology and cumbersome operations keep many traditional users at bay. The core value of AI Agents lies precisely in "simplification," as they can encapsulate complex blockchain technology into simple interactions, allowing ordinary individuals who are not technically savvy to easily participate. Coin Circle Teacher Peter shared a similar view, believing that while Web3 has resolved issues of value ownership and circulation, the advanced technology has not yet transformed into user-friendly experiences. The emergence of OpenClaw and Bank of AI presents the possibility for Web3 to transition from a "tool-oriented internet" to a "service-oriented internet."

Several guests unanimously agreed that despite the current market uncertainties, the main thread of AI Agents cannot be overlooked. From reducing barriers to reshaping interactions, from capital influx to application breakthroughs, AI Agents are becoming an unstoppable foundation for a new era of Web3. And this transformation has only just begun.

When AI Agents possess "agency": The Web3 landscape and user participation methods are being redefined

If AI Agents are no longer just providing suggestions but can directly execute transactions, participate in DeFi, and manage on-chain assets, what fundamental changes will occur in the gameplay of Web3 and the participation methods of ordinary users? In the discussion, guests outlined the profound changes ushered in by AI Agents, which are evolving from "auxiliary tools" into "core players," not only reshaping the operational logic of DeFi, GameFi, and SocialFi sectors but also liberating ordinary users from tedious operations and emotional vulnerabilities.

Web3 Teacher Caicai opened up the imaginative space with specific scenarios. In the DeFi field, previously, users needed to watch the market, operate manually, and frequently switch protocols to chase higher yields, whereas now AI Agents can automatically monitor the market 24 hours a day. When a protocol has higher yields, it can automatically complete cross-protocol asset transfers or even conduct arbitrage operations. Teacher Child particularly mentioned a key trend: the future will be "AI connected to AI, with AI Agents serving as the operating system for Web3 sectors."

As AI Agents begin to deeply engage in the on-chain economy, the role of ordinary users is undergoing a fundamental transformation. Coin Circle Teacher Peter pointed out: "The biggest change is that users no longer need to operate it; they only need to command it." Web3 itself is an extremely complex system, encompassing private key management, Gas fee calculations, protocol interactions, and cross-chain operations; each of these constitutes a barrier. The past model was "users learned protocols, operated protocols, and bore risks," while the future will shift to "users command AI Agents, with Agents operating protocols and managing risks." Users move from being front-line executors to back-end commanders, simply issuing commands while leaving all the tedious tasks to AI.

In this transformation, improving infrastructure is crucial. Many guests mentioned that projects like Bank of AI are bridging the last mile between AI Agents and on-chain finance. Bank of AI is dedicated to offering on-chain payment, identity verification, and DeFi services for AI Agents. Its core module, OpenClaw Extension, allows any AI Agent to gain bank-level financial capabilities upon integration, enabling them to independently conduct payments, authenticate on-chain identities, and interact with DeFi protocols. As Teacher Sweet anticipates, Bank of AI can package complex DeFi protocols into financial services like lending, exchanging, and liquidity mining that AI Agents can invoke, eliminating the need for users to understand technical logic or even to have extensive trading knowledge; all they need to do is converse with their AI steward.

Moreover, achieving all of this is based on several core capabilities provided by Bank of AI: the x402 payment protocol allows AI Agents to independently perform high-frequency micropayments; the 8004 identity verification protocol grants AI Agents a on-chain verifiable digital identity; and the MCP Server acts as a standardized interface between AI large models and blockchain services, enabling AI Agents to directly interact with smart contracts. Building on this foundation, the Skills module further empowers AI Agents with modular DeFi operational capabilities, while the OpenClaw plugin enables any AI Agent based on OpenClaw to gain the full suite of capabilities upon integration. Even more exciting is that Bank of AI does not serve a single ecosystem. It has already supported both TRON and BNB Chain and will expand to more networks in the future.

This system allows AI Agents to evolve into "executors" with complete financial operational capabilities, granting AI its own "bank account + digital identity + investment portfolio." As AI Agents can "possess" and "use" assets like humans, and every user can have their digital agents, a truly universal AI era is accelerating its arrival. And Bank of AI is the indispensable financial infrastructure in this transformation.