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

The sudden rise of OpenClaw has revealed new possibilities for AI in the entire crypto world. In no time, discussions about AI Agents swept through the community, and users felt for the first time 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 last mile for the economic implementation of AI Agents. Through deep integration of on-chain payments, identity verification, and DeFi services, AI Agents are beginning to possess real "action capabilities." They can independently complete transactions, autonomously verify on-chain identities, and seamlessly interact with various DeFi protocols, which 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 an "AI era for all"? How will AI reshape the underlying logic of tracks like DeFi? How should ordinary users embrace this transformation? In this Space roundtable, we invited industry builders and observers to engage in deep discussions around these topics. Below is a recap of the highlights from this Space.

Starting from the Rise of OpenClaw: Why has AI Become the New Mainline of Web3?

From the sudden popularity of OpenClaw to the accelerated implementation of infrastructures like Bank of AI, AI is penetrating the daily life of Web3 at an unprecedented speed. What has led to the concentrated explosion of AI Agents at this moment? In this Space roundtable discussion, several guests provided their insights from various dimensions such as technological evolution, capital flow, and user demand.

Teacher Tiantian believes that the development of any phenomenon follows the law of "quantitative change leading to qualitative change." The concept of AI has been fermenting in the Web3 field for many years, but in the past, it mostly stayed at the level of auxiliary tools like chatting, drawing, and writing, without truly changing the industry landscape. Now, the rise of OpenClaw precisely indicates that technological accumulation has reached a critical point of explosion. She particularly pointed out: "Wherever capital goes, the direction follows." From the sharing economy of the internet era to the current AI boom, the massive layout of capital indicates that the next era's opportunity has already arrived. Teacher Moyu further added that this explosion is not only driven by capital but also represents an "explosive" breakthrough at the application level.

For Web3, the explosion of AI Agents has a deeper inevitability. Teacher Xiaohai bluntly stated that the biggest pain point Web3 has faced for a long time is the high threshold; complex terminology and cumbersome operations have kept many traditional users at bay. The core value of AI Agents lies in "simplification," as they 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, believing that while Web3 has solved the issues of value confirmation and circulation, the advanced technology 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."

Many guests unanimously agreed that although the current market situation is unclear, the mainline of AI Agents cannot be ignored. From lowering thresholds to reshaping interactions, from capital influx to application explosion, AI Agents are becoming an unstoppable cornerstone of the new era of Web3. And this transformation has only just begun.

When AI Agents Have "Action Power": The Web3 Track 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 qualitative changes will occur in the gameplay of Web3 and the ways ordinary users participate? In the discussion, the guests outlined the profound changes brought by AI Agents, which are evolving from "auxiliary tools" to "core players," not only reshaping the operational logic of DeFi, GameFi, SocialFi, etc., but also completely liberating ordinary users from cumbersome operations and emotional weaknesses.

Teacher Caicai from Web3 opened up the imagination space with specific scenarios. In the DeFi field, users previously needed to monitor the market, operate manually, and frequently switch protocols to chase higher yields. Now, AI Agents can automatically monitor the market 24/7, and when a certain protocol offers higher returns, they can automatically complete cross-protocol asset transfers and even engage in arbitrage operations. Teacher Xiaohai specifically mentioned a key trend: the future will be "AI connecting with AI, AI Agents will become the operating system of the Web3 track."

As AI Agents begin to deeply participate in the on-chain economy, the role of ordinary users is also undergoing a fundamental transformation. 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 a highly complex system, with private key management, gas fee calculations, protocol interactions, and cross-chain operations, each constituting a barrier. The past model was "users learning protocols, operating protocols, and bearing risks," while the future will transform into "users commanding AI Agents, with Agents operating protocols and managing risks." Users will shift from frontline executors to commanders in the background, only needing to issue commands while leaving all the tedious work to AI.

In this transformation, the improvement of 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 aims to provide on-chain payments, identity verification, and DeFi services for AI Agents, with its core module, OpenClaw Extension, allowing any AI Agent to gain bank-level financial capabilities upon integration, independently completing transactions, on-chain identity verification, and DeFi protocol interactions. As Teacher Tiantian hopes, Bank of AI can package complex DeFi protocols into financial services like lending, exchanging, and liquidity mining that AI Agents can call upon, allowing users to not need to understand technical logic, or even trading, but simply converse with their AI steward.

The realization of all this is built on several core capabilities provided by Bank of AI: the x402 payment protocol allows AI Agents to independently complete high-frequency micro-payments; the 8004 identity verification protocol endows AI Agents with verifiable digital identities on-chain; MCP Server acts as a standardized interface between AI large models and blockchain services, enabling AI Agents to directly communicate with smart contracts. On this basis, the Skills module further provides AI Agents with modular DeFi operational capabilities, while the OpenClaw plugin allows any AI Agent based on OpenClaw to gain the full set of capabilities upon integration. What’s even more exciting is that Bank of AI does not only 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 truly evolve 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 universal AI era is accelerating towards us. And Bank of AI is an indispensable financial infrastructure in this transformation.