New payment use cases
The stable currency based payment also opens a new use case for the Internet’s native payment infrastructure:
Instant settlement and availability: Stablecoins support 24/7 near instant trading, suitable for time sensitive payments that traditional financial tracks cannot support. The adoption is already underway: Robinhood CEO Vlad Tenev recently stated that the company “uses stablecoins to support our weekend settlements,” which traditional infrastructure cannot achieve.
Programmatic payment: Stablecoins unlock more complex and automated payment processes through the natural permissionless, combinatorial unlocking of smart contracts and encrypted infrastructure. Payment can be triggered by real-world events, conditionally executed, or continuously streamed – allowing the backend payment process to be fully automated and trustless. For example, Superfluid supports continuous salary streams per second and is bound to active work sessions; And Centrifuge utilizes smart contracts to automatically release funds to suppliers after verifying delivery milestones, with each transaction transparently recorded on the chain for real-time auditing.
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The ability of AI agents to transfer value is a fundamental function that will become increasingly important as these agents mature. In the short term, value transfer primarily supports the human operators of these agents – facilitating payment for services and products. But as agents become more autonomous and capable, we expect to shift towards agent to agent transactions, independently executing to coordinate, collaborate, and complete tasks beyond individual scope. We believe that a significant share of global value transfer will ultimately be executed by AI agents, and the crypto track is the natural infrastructure for this evolution. Unlike traditional banking systems, cryptocurrency allows agents to create wallets and transfer value without permission, without the need for a human centered KYC process, matching the speed, scale, and flexibility of the agent’s native economy. You can learn more in our AI argument: [AI argument link]（ https://stablecoins.asxn.xyz/ai-thesis ）.
Micro payment: Micro payment – typically defined as transactions below $1, sometimes only a fraction of a cent – is commonly used for digital native use cases such as online tipping, in-game purchases, real-time royalties, and pay per use content. However, traditional payment methods are not suitable for handling these transactions due to their high fixed costs. For example, a payment of $0.50 may incur a fixed fee of $0.30 plus 2% variable fee, resulting in a total cost of $0.31- more than 60% of the transaction value. This cost structure makes micro payments economically unfeasible in terms of scale. Stablecoins provide a striking alternative that supports low-cost, instant, and programmable settlements. By eliminating the friction and overhead of traditional infrastructure, stablecoins unlock new application categories based entirely on micro payment models.