Perspective: Crypto Wallets are Reconstructing for AI Agents, Future AI May Have Independent On-Chain Wallets

On May 9, at the Consensus 2026 conference, 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 the Agent Kit, allowing AI Agents to autonomously execute transactions, transfers, and other on-chain operations, and is advancing Ethereum proposal EIP-8004 to provide on-chain identity and credit scoring systems for AI Agents. Felix Fan mentioned that the consumer side still adheres to the ‘user holds the keys, gradually authorizing’ model, with AI acting more as an assistant for on-chain operations; whereas on the developer side, Agents are allowed to execute operations more autonomously. Mesh has introduced Smart Funding technology, which can automatically route funds between different chains, accounts, and tokens to reduce the complexity of using Web3. The CTO of Mesh noted that one of the core issues faced by AI Agents is ‘cold start’—without wallets and funds, Agents cannot truly act, and crypto wallets serve as the foundational financial layer for AI. Both executives believe that major AI platforms in the future may launch their own wallets. Felix Fan mentioned that X has publicly advanced X Money, and Grok is likely to also have a built-in wallet, stating, ‘AI like Claude may also run directly on-chain in the future.’