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Opinion: Crypto wallets are being reconstructed for AI Agents, and in the future, AI may have independent on-chain wallets.
BlockBeats News, May 9th, at Consensus 2026, Trust Wallet CEO Felix Fan and Mesh CTO Arjun Mukherjee stated that AI Agents are driving the reconstruction of crypto wallet architecture, enabling AI to hold assets, conduct on-chain transactions, and establish on-chain identities.
Trust Wallet has launched Agent Kit, allowing AI Agents to autonomously perform transactions, transfers, and other on-chain operations, and is promoting Ethereum proposal EIP-8004 to provide on-chain identity and credit scoring systems for AI Agents. Felix Fan said that the consumer side still adheres to the “user holds keys, gradually authorizes” model, with AI mainly serving as an on-chain operation assistant; meanwhile, the developer side allows Agents to perform operations more independently.
Mesh has introduced Smart Funding technology, which can automatically route funds across different chains, accounts, and tokens to reduce the complexity of Web3 usage. Mesh CTO stated that one of the core issues faced by AI Agents is “cold start” — without wallets and funds, Agents cannot truly act, and crypto wallets happen to form the foundational financial layer for AI.
Both executives believe that in the future, large AI platforms may launch their own wallets. Felix Fan mentioned that X has publicly promoted X Money, and Grok is very likely to have an integrated wallet as well, “AI like Claude may also directly run on the chain in the future.”