Space Review | From the explosive popularity of OpenClaw to the layout of on-chain financial infrastructure, how does Bank of AI bridge the final mile of the AI Agent economy?

The sudden popularity of OpenClaw has revealed a new possibility for AI in the entire crypto world. Suddenly, discussions about AI Agents have swept through the community, and users are experiencing for the first time: AI is moving from “assisting humans” to “acting on behalf of humans.”

In this wave, infrastructure represented by Bank of AI is bridging the final mile for the implementation of the AI Agent economy. Through deep integration of on-chain payments, identity verification, and DeFi services, AI Agents are beginning to truly have “action capabilities.” They can independently handle transactions, autonomously verify on-chain identities, and seamlessly interact with various DeFi protocols. This means AI Agents are genuinely participating in the closed-loop on-chain economy.

When AI Agents can “own” and “use” assets like humans, and every user might have their own digital proxy, are we on the verge of an “All-People AI Era”? How will AI reshape the underlying logic of sectors like DeFi? How should ordinary users prepare for this transformation? In this episode of the Space roundtable, industry builders and observers are invited to discuss these topics in depth. Below is a highlights review of this Space session.

Starting from the explosive rise of OpenClaw: Why has AI become the new mainline of Web3?

From OpenClaw’s sudden popularity to the accelerated deployment of infrastructure like Bank of AI, AI is permeating Web3’s daily life at an unprecedented speed. What has caused this concentrated explosion of AI Agents at this moment? In the roundtable discussion, multiple guests shared their insights from various dimensions such as technological evolution, capital flow, and user demand.

Teacher TianTian believes that everything develops according to the law of “quantitative change leading to qualitative change.” The concept of AI has fermented in the Web3 space for years, but it was mostly limited to auxiliary tools like chatting, drawing, and writing articles, without truly changing the industry landscape. Now, the rise of OpenClaw precisely indicates that technological accumulation has reached a critical point of explosion. She specifically pointed out: “Where capital flows, the direction is there.” From the era of shared economy in the internet age to the current AI boom, large-scale capital deployment signals that the next era’s trend is already here. Teacher MoYu further added that this explosion is not only driven by capital but also a “blowout” breakthrough at the application layer.

For Web3, the explosion of AI Agents also has a deeper inevitability. Teacher XiaoHai straightforwardly states that the biggest pain point Web3 has long faced is the high entry barrier—complex terminology and cumbersome operations keep many traditional users out. The core value of AI Agents lies precisely in “simplification.” They can encapsulate complex blockchain technology into simple interactions, allowing ordinary people who lack technical knowledge to participate easily. Teacher Peter from the crypto space also expressed a similar view, believing that although Web3 solves issues of value confirmation and circulation, its advanced technology has not translated into user-friendly experiences. The emergence of OpenClaw and Bank of AI offers possibilities for Web3 to transform from a “tool-based internet” to a “service-oriented internet.”

Many guests agree that despite the current market uncertainty, the mainline of AI Agents cannot be ignored. From lowering barriers to reshaping interactions, from capital inflows to application surges, AI Agents are becoming the cornerstone of a new Web3 era with unstoppable momentum. And this transformation has only just begun.

When AI Agents gain “action capabilities”: How Web3 and user participation are being redefined

If AI Agents no longer just provide suggestions but can directly execute transactions, participate in DeFi, and manage on-chain assets, how will the gameplay of Web3 and user participation change fundamentally? During the discussion, guests outlined the profound changes brought by AI Agents. They are evolving from “auxiliary tools” to “core players,” not only reshaping the operation logic of sectors like DeFi, GameFi, and SocialFi but also liberating ordinary users from tedious operations and emotional vulnerabilities.

Teacher CaiCai from Web3 opened up the imagination with specific scenarios. In DeFi, users previously needed to monitor markets manually, operate protocols, and switch between platforms frequently to chase higher yields. Now, AI Agents can monitor the market 24/7, automatically move assets across protocols when higher yields are available, and even perform arbitrage. Teacher XiaoHai highlighted a key trend: in the future, it will be “AI connecting with AI, with AI Agents becoming the operating system of the Web3 sector.”

As AI Agents deeply participate in on-chain economies, the roles of ordinary users are also undergoing fundamental shifts. Teacher Peter from the crypto space pointed out: “The biggest change is that users no longer need to operate it—they just need to command it.” Web3 itself is a highly complex system—managing private keys, calculating gas fees, interacting with protocols, cross-chain operations—all constitute barriers. The old model was “users learn protocols, operate protocols, and bear risks,” but the future will be “users command AI Agents, which operate protocols and manage risks.” Users will shift from frontline executors to commanders behind the scenes, simply issuing instructions, while AI handles the rest.

In this transformation, infrastructure is crucial. Several guests mentioned that projects like Bank of AI are working to bridge the last mile between AI Agents and on-chain finance. Bank of AI aims to provide on-chain payments, identity verification, and DeFi services for AI Agents. Its core module, OpenClaw Extension, allows any AI Agent to immediately access banking-level financial capabilities—handling transactions, verifying identities, and interacting with DeFi protocols independently. As Teacher TianTian hopes, Bank of AI can package complex DeFi protocols into AI-callable financial services like lending, exchanges, and liquidity mining, so users don’t need to understand technical logic or even trade much—just talk to their AI butler.

All of this is built on several core capabilities provided by Bank of AI: the x402 payment protocol enables AI Agents to perform high-frequency micro-payments independently; the 8004 identity verification protocol grants AI Agents a verifiable on-chain digital identity; the MCP Server acts as a standardized interface between large AI models and blockchain services, allowing AI Agents to communicate directly with smart contracts. Based on this, the Skills module further provides modular DeFi operation capabilities, and the OpenClaw plugin allows any OpenClaw-based AI Agent to access the full suite of capabilities after integration. Even more promising, Bank of AI is not limited to a single ecosystem. It currently supports both TRON and BNB Chain, with plans to expand to more networks in the future.

This system truly elevates AI Agents into “executors” with complete financial operation capabilities—giving AI its own “bank account + digital identity + investment portfolio.” When AI Agents can “own” and “use” assets like humans, and every user can have their own digital proxy, a genuine全民 AI时代 (全民 AI era) is accelerating. And Bank of AI is an indispensable infrastructure in this transformative journey.