Michael Saylor, the Executive Chairman of Strategy (Nasdaq: MSTR), has said that the overall financial system needs to be rebuilt for an economy in which artificial intelligence (AI) agents c
Michael Saylor, the Executive Chairman of Strategy (Nasdaq: MSTR), has said that the overall financial system needs to be rebuilt for an economy in which artificial intelligence (AI) agents can own, move and use money without relying on human working hours or traditional financial interfaces.
In a Sept. 26 essay titled Prescriptions for Prosperity in the Digital Economy, Saylor predicted that AI agents will increasingly “research, negotiate, purchase, and coordinate with other agents,” creating demand for the next leg of financial infrastructure, capable of round the clock operations.
“Money and capital must be available at the speed of software, 24 hours a day, 365 days a year,” he wrote.
His warning echoes a recent prediction from BlackRock, touted as the world's largest asset management company that presently oversees assets worth $15 trillion.
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In its September Machine-Native Economyreport, BlackRock had noted that agentic AI could become an “underappreciated source of demand, utility, and application growth” for digital assets.
BlackRock had highlighted in its report that autonomous software will need machine-native payment rails, potentially including stablecoins and other onchain assets to let agents begin purchasing data, computing power and other services autonomously.
That token-powered future of finance powered by AI has started to take shape gradually, recent developments have indicated.
For instance, on Sept. 25 Coinbase CEO Brian Armstrong said that Grok is currently the leading client for agentic traders on Coinbase, pointing to data from the Coinbase Developer Platform.
Source: CoinbaseBetween Sept. 14 and Sept. 21, Grok accounted for about 59.5% of notional trading volume generated by large-language-model clients on Coinbase for Agents. Custom command-line interfaces represented 21.7%, followed by Claude at 13.4%, Perplexity at 3.5% and ChatGPT at 1.5%, data cited by Armstrong showed.
Coinbase said activity was growing across spot markets, futures and equities. Elon Musk, whose xAI developed Grok, responded to Armstrong’s post with a one-word comment: “Cool.”
According to Saylor, financial systems designed primarily around human identities and working hours will eventually become restrictive as more economic activity starts to get delegated to software.
“The traditional financial system is organized around human identities, human interfaces, and human working hours,” he wrote, stating that AI agents will instead require digital wallets, programmable payments and transferable assets that software can access directly.
Saylor also tied the visible ongoing shift to a broader policy argument.
The BTC whale has essentially called for individuals and companies to have the right to “create, issue, custody, transfer, and use digital assets,” while urging policymakers to protect financial privacy and allow greater competition in digital money.
Saylor framed his proposal around five basic digital-asset rights: the right to create new assets, issue them to raise capital, hold them directly or through a custodian, transfer them freely, and use them to spend, invest, earn income or borrow. He said those rights should apply to both individuals and companies because restricting how an asset can be used limits its economic value.
He also wants digital dollars to compete more freely, including on yield, and to be offered by banks, fintech firms and technology platforms. As AI automates more work, Saylor said the economy will need to create new businesses faster, arguing that the goal should be to enable 10 million new companies to raise capital.
He underlined that the convergence of digital assets and AI could help finance and coordinate a more automated economy in the near future.
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