Stablecoins and artificial intelligence agents are poised to transform the banking industry, offering faster, more efficient, and more accessible financial services, according to veteran crypto entrepreneur and innovator Alexei Novikov. His vision highlights how emerging technologies could reshape traditional finance.
Stablecoins bring stability and speed
Novikov emphasised that stablecoins — cryptocurrencies pegged to fiat currencies — provide a reliable digital alternative to cash that can operate 24/7 with minimal friction. “They reduce settlement times from days to seconds, cut costs, and enable borderless transactions,” he said during a recent fintech conference. These attributes, he argued, have the potential to disrupt legacy banking infrastructure reliant on slower, centralised processes.
Stablecoins also offer financial inclusion opportunities by giving unbanked populations easier access to digital money, particularly in regions where traditional banking remains underdeveloped.
AI agents personalise and automate finance
Alongside stablecoins, Novikov sees AI agents — autonomous software that can interact with users, analyse data, and execute tasks — as key to the banking revolution. These agents can provide personalised financial advice, automate routine banking operations, and detect fraud with greater accuracy.
“Imagine a personal AI banker available 24/7 that understands your needs, optimises your portfolio, and secures your accounts proactively,” Novikov explained. This shift could democratise access to sophisticated financial tools previously reserved for wealthy clients.
Challenges and regulatory considerations
Despite the promise, Novikov acknowledged hurdles remain. Stablecoins face increasing regulatory scrutiny worldwide, with authorities seeking to ensure consumer protection, prevent money laundering, and maintain monetary stability. Similarly, AI’s use in finance raises questions about transparency, data privacy, and accountability.
Novikov called for balanced regulation that fosters innovation while safeguarding users. “The goal should be to enable these technologies to thrive responsibly, not to stifle progress,” he said.
A new banking paradigm emerges
The convergence of stablecoins and AI agents, Novikov predicts, will give rise to a new banking paradigm where decentralisation, automation, and user-centric design prevail. Traditional banks will need to adapt or risk obsolescence as digital-native competitors harness these tools to offer seamless, cost-effective services.
“Banking as we know it is entering a period of profound change,” Novikov concluded. “Those who embrace stablecoins and AI will lead the future of finance.”
REFH – Newshub, 17 July 2025
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