কৃত্রিম বুদ্ধিমত্তা এবং ব্লকচেইন প্রযুক্তি: অর্থের নতুন শক্তি দম্পতি
Imagine living in a house with the latest smart home systems: lights turning off at voice command, your thermostat learning your schedule, and your refrigerator ordering milk before the carton runs out. It’s practical yet fun. It enhances your everyday life. Now imagine that same house built on a shaky foundation: the electrical wiring is outdated, and the plumbing is rotting. No matter how advanced your hardware is, the architecture won’t reliably support it. This is the difference between artificial intelligence and blockchain. Artificial intelligence is a smart technology. Blockchain is the well-engineered infrastructure that ensures everything works reliably, predictably, and with integrity. Just as a house needs both features and structure, our digital economy will need both artificial intelligence and blockchain technologies. One enhances capabilities, the other ensures resilience. The true promise of blockchain technology is becoming clear. Just as cloud computing seemed abstract until it powered every application, blockchain technology is becoming the woven fabric of how money moves, contracts are executed, and systems work with each other. For leaders, innovators, and builders, our goal is to see beyond the headlines and recognize the structural shifts. This is where we are with blockchain. The attention now determines whether you lead in the next economy, or adapt after the rules change. Two areas, in particular, highlight how blockchain technology and AI can reshape money together: programmable money and transparency in financial records.
1. Programmable Money
One of the biggest opportunities is programmable money used by AI-based agents. Programmable money is a digital currency with built-in logic. It can trigger, settle, or automate actions based on pre-defined terms and rules, paying out only when the product is delivered, compensating employees as time elapses, or rewarding an AI agent only when it completes a task. An AI agent is much like a personal assistant. It interprets requests, figures out how best to implement them, and improves over time. They can independently complete tasks and make decisions to fulfill your requests. These AI agents only work during traditional business hours, and don’t have an “identity” according to traditional regulatory frameworks, yet they need reliable ways to get compensated in real time. Blockchain-powered stablecoins are a natural solution. Consider an example of this powerful combination in real estate: an AI agent validates document accuracy, closes the transaction, and distributes funds. If it’s Sunday morning and payment rails like ACH or wires are closed, how does the transfer process work? Stablecoins enable settlement in digital time, not bankers’ business hours. It’s truly moving from theory to practice. For example, Google just announced Agent Payment Protocol, which provides a blockchain-based framework for e-commerce transactions managed by AI agents. Other leading payment companies like PayPal, Mastercard, and American Express are adopting this technology as well. This is a clear illustration of the intersection of AI and blockchain in a practical use case.
2. Financial Transparency
IPOs provide another example of the importance of applying blockchain principles to artificial intelligence. Artificial intelligence is now being used to assess risk and price loans. It creates real concerns about fairness, bias, and explainability. Regulators and consumers alike want to know why a loan was rejected and what information led to the decision, opening the black box of financial decision-making processes. Blockchain offers an answer. It can record AI-driven activity (data input, validation steps, approvals, compliance checks), creating a verifiable record across various consumer products like mortgages or credit cards. Instead of a vague “order rejection,” customers will know the exact reason, such as lack of income verification or a high debt-to-income ratio. For approvals, the score highlights the inputs behind the interest rate—credit score, income, loan-to-value ratio—so borrowers know what matters most. Using the same validated data that applies to applicants, regulators can verify fairness while consumers gain transparency. Together, AI and blockchain technologies deliver more than just speed. They deliver financial systems that are more transparent to regulators, more understandable to consumers, and ultimately more sustainable. Blockchain is a transformative factor in AI’s long game because it augments what we are already doing. It’s a smart home app that learns your lighting preferences based on conditions. Blockchain technologies are different. They are the building department, the inspector, and the wiring behind the walls: setting the rules of what can be built, inspecting the work, and running the whole system. For consumers, opaque financial decisions—such as sudden credit card fee increases, interest rate changes, or unexplained loan rejections—have long been the norm. The combination of artificial intelligence and blockchain technologies is expected to change this by providing transparency to the individual and accountability to the system. For leaders and innovators, the blueprint for the future is straightforward: Prepare for an AI future by building a strong blockchain technology foundation where scalable, composable infrastructure will be needed for the exponential increase in transaction activity. Use transparent, fair, and precise design principles so that AI decisions can be explained, validated, and defended. Move beyond the buzzwords by integrating blockchain technology with mission-critical workflows where speed, settlement, and reliability are non-negotiable. The intersection of AI and blockchain is becoming a massive market reset. And those who embrace it now will define what comes next.
Michael Tannenbaum is the CEO of Shape.
(Tags for translation) Artificial Intelligence
প্রকাশিত: 2025-10-31 23:50:00
উৎস: www.fastcompany.com
