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

AINFT Launches Bank of AI to Build a Complete “Financial Operating System” for AI Agents

With the emergence of the x402 protocol and the 8004 standard, automatic payments and on-chain identity are being integrated into the operational logic of AI Agents. This means that AI Agents can now automatically handle payments and on-chain transactions for the first time. Moving from passive responses to active participation in value transfer, the role of AI Agents is subtly transforming.

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

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

How Will User Experience Be Reconstructed When AI Agents Have x402 and 8004?

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

The emergence of 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 gain 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, requesting an AI Agent to produce an investment report was a fragmented process: the AI generates the framework, but tasks like account registration, payment binding, and data purchase had to be handled manually. Users were both commanders and weary “middlemen.” With protocols like x402 embedded, AI Agents can automatically subscribe or purchase data, and more importantly, with the on-chain identity provided by the 8004 protocol, AI Agents now have verifiable reputation records, making each transaction traceable and trustworthy.

This upgrade from “tool” to “economic participant” was further elaborated by Grace. She believes that when AI Agents have automatic payment capabilities, the interaction mode is evolving from “human-to-machine” one-way commands to “human-AI” collaborative symbiosis. Whether subscribing to services, purchasing goods quickly, or executing optimal payment strategies, users only need to set their goals, and the AI Agent handles the rest—judging and executing. She described it as: “You don’t perceive the payment happening, but it has already taken care of things for you. It has transformed from a tool into a true partner capable of sharing your burdens.”

The traditional subscription model was essentially paying for “potential use,” but the x402 protocol has successfully enabled a new “pay first, respond later” interactive business model. Its micro-payment capability makes “pay-per-use, buy-on-demand” possible. Mo Yu, from the perspective of user rights, revealed the pressure x402 puts on AI service quality. He noted that many AI products on the market offer poor results after subscription, with no refund options. The single-payment supported by x402 allows users to choose based solely on performance.

When AI Agents have their own “wallets” and “identities,” they are becoming “economic participants” in the digital world. This transformation has just begun, but the direction is clear: future AI Agents will not only think for you but also act on your behalf; they will generate plans and complete transactions. And 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 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 by humans one by one 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 sees 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—AI to AI doing business among themselves, ultimately delivering results to humans.

Furthermore, Peter from the crypto space analyzed the prerequisites for the AI economic network to operate: a self-sustaining economic system requires account systems, collaboration capabilities, and transaction mechanisms. The combination of x402 and 8004 protocols is laying the groundwork for this system. He pointed out that when payments become smooth enough, AI Agents can form a complete “income > investment > re-income” closed loop. Bringing this loop from concept to reality requires a key element: a “financial operating system,” which is precisely the role played by AINFT’s new infrastructure for AI Agents—Bank of AI.

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

First layer: Payment Layer. AINFT deeply integrates the payment protocol via the x402 SDK, allowing developers to enable automatic payment capabilities for AI Agents with just a few lines of code. This enables AI Agents to perform micro-payments and instant settlements when calling services, making high-frequency, small-value machine-to-machine transactions economically feasible.

Second layer: 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 traceable reputation record. Every successful fulfillment and timely settlement adds credibility to this on-chain credit profile.

Third layer: 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 to call smart contracts or gas fee calculations. They can not only “send and receive payments” but also “manage assets and grow wealth.”

Moreover, AINFT’s open design supports the OpenClaw plugin system, 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 responses to active collaboration, from single-point calls to networked cooperation, AI Agents are weaving their own economic network. AINFT is the “infrastructure builder” laying the tracks for this network. As of now, AINFT has over 410,000 users and is gradually building a Web3-native AI platform connecting mainstream AI capabilities with on-chain assets. As 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.