Space Review | From the Explosive Popularity of OpenClaw to the Layout of On-Chain Financial Infrastructure, How Does Bank of AI Bridge the Last Mile of the AI Agent Economy?

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

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

When AI Agents can "own" and "use" assets like humans, and when every user might have their own digital agent, are we standing at the threshold of the "AI for All" era? How will AI reshape the underlying logic of sectors like DeFi? How should ordinary users embrace this transformation? In this episode's Space roundtable, we invited industry builders and observers to engage in an in-depth discussion around these topics. Below is a recap of the key highlights from this Space.

Starting with the OpenClaw Craze: Why Has AI Become the New Main Narrative in Web3?

From the sudden rise of OpenClaw to the accelerated deployment of infrastructure like Bank of AI, AI is permeating the daily fabric of Web3 at an unprecedented pace. What has led to this concentrated explosion of AI Agents at this moment? In the roundtable discussion of this Space, several guests shared their insights from multiple dimensions including technological evolution, capital flows, and user demand.

Teacher Tiantian believes that the development of anything follows the law of "quantitative change leading to qualitative change." The AI concept has been fermenting in the Web3 space for years, but in the past, it was mostly limited to auxiliary tools like chatting, drawing, and writing, without truly changing the industry landscape. Now, the popularity of OpenClaw precisely indicates that technological accumulation has reached a critical point of explosion. She specifically pointed out: "Where capital flows, direction follows." From the sharing economy of the internet era to the current AI boom, the large-scale deployment of capital signals that the next era's trend has arrived. Teacher Moyu further added that this explosion is not only driven by capital but also represents a "geyser-like" breakthrough at the application level.

For Web3, the explosion of AI Agents has a deeper inevitability. Teacher Xiaohai bluntly stated that the biggest long-term pain point for Web3 has been its excessively high barrier to entry. Complex terminology and cumbersome operations have kept a large number of traditional users out. The core value of AI Agents lies precisely in "simplification." It can encapsulate complex blockchain technology into simple interactions, allowing ordinary people without technical knowledge to participate easily. Teacher Peter from the crypto circle expressed a similar view. He believes that while Web3 has solved issues of value confirmation and circulation, its technological advancement has not translated into user-friendly experiences. The emergence of OpenClaw and Bank of AI provides the possibility for Web3 to transition from a "tool-based internet" to a "service-based internet."

Multiple guests unanimously agreed that although the current market sentiment remains unclear, the AI Agent narrative cannot be ignored. From lowering barriers to reshaping interactions, and from capital influx to application explosion, AI Agents are becoming the cornerstone of the new Web3 era with unstoppable momentum. And this transformation has only just begun.

When AI Agents Gain "Action Capability": Web3 Sectors and User Participation Are Being Redefined

If AI Agents are no longer just providing advice but can directly execute trades, participate in DeFi, and manage on-chain assets, what qualitative changes will occur in how Web3 is played and how ordinary users participate? In the discussion, guests outlined the profound changes brought by AI Agents. AI Agents are evolving from "auxiliary tools" to "core players," not only reshaping the operational logic of sectors like DeFi, GameFi, and SocialFi but also completely liberating ordinary users from cumbersome operations and emotional weaknesses.

Teacher Web3 Caicaizi opened up the imagination with specific scenarios. In the DeFi space, users used to need to monitor the market themselves, manually operate, and frequently switch protocols to chase higher yields. Now, AI Agents can automatically monitor the market 24/7. When a protocol offers higher returns, they can automatically complete cross-protocol position transfers and even perform arbitrage operations. Teacher Xiaohai specifically mentioned a key trend: the future will be about "AI interfacing with AI, AI Agents will become the operating system for Web3 sectors."

As AI Agents begin to deeply participate in the on-chain economy, the role of ordinary users is also undergoing a fundamental shift. Teacher Peter from the crypto circle 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. Private key management, gas fee calculation, protocol interaction, and cross-chain operations each pose a barrier. The past model was "users learn protocols, operate protocols, bear risks." The future will become "users command AI Agents, and Agents operate protocols and manage risks." Users retreat from being frontline executors to being commanders in the rear, only needing to issue commands while leaving all the tedious work to the AI.

In this transformation, the improvement of infrastructure is crucial. Multiple guests mentioned that projects like Bank of AI are bridging the final gap between AI Agents and on-chain finance. Bank of AI is dedicated to providing AI Agents with on-chain payments, identity verification, and DeFi services. Its core module, the OpenClaw Extension, allows any AI Agent to instantly acquire bank-grade financial capabilities upon integration, enabling them to independently handle payments/receipts, on-chain identity verification, and DeFi protocol interactions. As Teacher Tiantian anticipates, Bank of AI can package complex DeFi protocols into financial services like lending, swapping, and liquidity mining that AI Agents can call. Users don't need to understand the technical logic or even know much about trading; they just need to converse with their AI butler.

The realization of all this is built upon several core capabilities provided by Bank of AI: The x402 payment protocol enables AI Agents to independently handle high-frequency micro-payments; the 8004 identity verification protocol endows AI Agents with verifiable on-chain digital identities; the MCP Server acts as a standardized interface between AI large language models and blockchain services, allowing AI Agents to directly converse with smart contracts. Building on this, the Skills module further provides AI Agents with modular DeFi operational capabilities, while the OpenClaw plugin enables any AI Agent based on OpenClaw to acquire the full suite of the above capabilities upon integration. More excitingly, Bank of AI does not serve just a single ecosystem. It currently supports both the TRON and BNB Chain networks and will expand to more networks in the future.

This system truly evolves AI Agents into "executors" with complete financial operational capabilities, giving AI its own "bank account + digital identity + investment portfolio." When AI Agents can "own" and "use" assets like humans, and when every user can have their own digital agent, a truly meaningful "AI for All" era is accelerating its arrival. And Bank of AI is the indispensable financial infrastructure in this transformation.