Space Review | AINFT Launches AI Agent New Infrastructure to Turn the "AI Economy Network" from Concept to Reality

With the emergence of the x402 protocol and the 8004 standard, automated payments and on-chain identities are being integrated into the operational logic of AI Agents. This means that, for the first time, AI Agents can automatically handle payments and receipts, executing on-chain operations. Moving from passive responses to active participation in value transfer, the role of AI Agents is undergoing a subtle transformation.

Against this backdrop, AINFT officially launched the new infrastructure for AI Agents—Bank of AI—focused on building a complete “Financial Operating System” for AI Agents. It not only deeply integrates the x402 payment protocol and the on-chain identity verification protocol 8004 but also introduces tools such as the MCP Server for AI large model service interfaces, Skills for AI model expansion, and the OpenClaw Extension, endowing AI Agents with comprehensive financial operation capabilities.

At this critical point of technological change, a roundtable discussion focusing on the “AI Agent Economic Network” was held on the evening of February 24. Guests from various fields analyzed the structural changes brought by x402 and 8004 from multiple dimensions, including user experience reconstruction and business models, jointly sketching the emerging prototype of an “AI Economic Network.” Below is a精彩 recap of this discussion.

How is user experience being reshaped as AI Agents gain x402 and 8004?

The essence of AI Agents is “autonomous actors” designed to make decisions and execute tasks. Large language models have endowed AI Agents with powerful “brains,” but what truly defines an AI Agent is its “action capability.” The problem is that, in the past, the action capabilities of AI Agents were limited to “soft actions” in the digital world; actions involving real value transfer, such as payments and receipts, have always been a forbidden zone for AI Agents.

The appearance of the x402 and 8004 protocols has opened the door for AI Agents to perform automatic payments and on-chain identity verification, effectively laying down a dedicated “settlement track” in the digital world. When AI Agents begin to have the ability to make automatic payments, the most immediate change in user experience is a complete reconstruction of the underlying interaction logic.

As HiSeven pointed out, in the past, when we asked AI Agents to produce an investment research report, the process was fragmented: AI Agents generated the framework, but when it came to registering accounts, linking payments, or purchasing data, human intervention was required. Users were both commanders and weary “middlemen.” With the integration of protocols like x402, AI Agents can automatically handle subscriptions or data procurement. More importantly, with the on-chain identity provided by the 8004 protocol, AI Agents now have a verifiable reputation record, making each transaction traceable and trustworthy.

This upgrade from “tool” to “economic participant” was further elaborated by Grace. She believes that when AI Agents gain automatic payment capabilities, the interaction mode is evolving from “human-to-machine” commands to “human-AI collaboration and symbiosis.” Whether subscribing to services, purchasing goods, or executing optimal payment strategies, users only need to set their goals, and AI Agents will handle the judgment and execution. She described it as: “You don’t perceive the existence of payments, but it has already taken care of everything for you. It has transformed from a tool into a true partner capable of sharing your burdens.”

The traditional subscription model, which users are accustomed to, essentially pays for “potential usage.” The x402 protocol has successfully enabled a new “pay first, respond later” interactive business model. Its micro-payment capability makes “pay-per-use, instant purchase” possible. From the perspective of user rights, Mo Yu revealed the pressure x402 puts on AI service quality. He pointed out that many AI products on the market often do not meet expectations after subscription, and refunds are difficult. The single-payment supported by x402 allows users to choose based solely on performance.

As AI Agents acquire their own “wallets” and “identities,” they are becoming “economic participants” in the digital world. This transformation has just begun, but the direction is already clear: future AI Agents will not only think for you but also act on your behalf; they will generate plans and complete transactions. x402 and 8004 are laying the foundational tracks for this revolution.

AINFT builds a “Financial Operating System” for AI Agents, turning the “AI Economic Network” from concept to reality

As the payment logic for AI becomes standardized, a more imaginative proposition emerges: are we witnessing the birth of a true “AI Economic Network”? In this network, AI is no longer just a tool called upon individually by humans but nodes capable of discovering needs, negotiating prices, completing payments, and delivering services among themselves. This future vision became clearer through the discussion among the guests.

HiSeven was the first to outline this emerging picture. He believes that currently, our use of AI is still “point-to-point”: we seek specific functions from particular models. Once payment logic is standardized, each AI Agent with special capabilities will resemble a skilled colleague, capable of collaborating with other AI Agents to complete complex tasks. In his view, this is like hiring a small team, where AI collaborates with AI, ultimately delivering results to humans.

Furthermore, Peter from the crypto space analyzed the prerequisites for the operation of the AI economic network: a self-sustaining economic system requires account systems, collaboration capabilities, and trading mechanisms. The combination of the x402 protocol and the 8004 standard is laying the foundation for this system. He pointed out that when payments become sufficiently smooth, AI Agents can form a complete “income > investment > re-income” closed loop. Moving this loop from concept to reality requires a key component: a “Financial Operating System,” which is precisely the role played by AINFT’s newly launched AI Agent infrastructure—Bank of AI.

The AI Agent infrastructure launched by AINFT can be understood as a “on-chain bank” or “digital wallet + identity + investment account” integrated platform tailored for AI Agents. Technologically, it first supports both TRON and BNB Chain, with its core architecture revolving around three capabilities:

The first layer is the payment layer. AINFT, through the x402 SDK, deeply integrates the payment protocol, allowing developers to enable automatic payments for AI Agents with just a few lines of code. This enables AI Agents to automatically perform micro-payments and instant settlements when invoking services, making high-frequency, small-value machine-to-machine transactions economically feasible.

The second layer is the identity layer. Using the 8004 SDK, AINFT allows each AI Agent to quickly connect to on-chain identity verification mechanisms, giving it a verifiable “digital ID” and a traceable reputation record. Every successful fulfillment and on-time settlement adds credibility to this on-chain credit profile.

The third layer is the capability layer. AI Agents can participate in DeFi operations such as lending, swapping, and yield farming through MCP Server and Skills. MCP Server acts as an “adapter” between AI Agents and blockchain, encapsulating complex on-chain interactions into standardized tool interfaces; Skills further convert these interfaces into composable workflow templates. This means AI Agents only need to understand “what to do” without worrying about how smart contracts are called or gas fees are calculated. They can not only “handle payments” but also “manage assets for growth.”

More notably, AINFT’s open design supports OpenClaw extensions, enabling any AI Agent to be quickly endowed with full financial capabilities—payments, identity, and DeFi operations—without complex development. This “plug-and-play” architecture makes AINFT the foundational infrastructure layer of the entire AI economic network.

From passive response to active collaboration, from single-point invocation to networked cooperation, AI Agents are weaving their own economic network. AINFT is the “builder” laying the tracks for this network. As of now, AINFT has surpassed 410,000 users and is gradually building a Web3-native AI platform connecting mainstream AI capabilities with on-chain assets. When AI Agents begin to understand needs, complete transactions, accumulate credit, and allocate assets, we may be witnessing the birth of a new economic network in the digital world. The starting line of this revolution has been drawn, and AINFT stands at the forefront of this race.