Wu Shuo learned that Franklin Templeton pointed out that with the rise of Agentic AI, the resulting massive micro-transactions and machine-to-machine (M2M) payment demand cannot be met by traditional financial infrastructure (such as credit card networks with high fees and slow settlement), while blockchain and cryptocurrencies provide an ideal underlying settlement and delivery layer. The article analysis says that by 2030, the volume of agentic business transactions is expected to reach $3 to $5 trillion, accounting for 15% to 25% of US e-commerce sales. Open payment standards such as “x402,” created by Coinbase and handed over to the Linux Foundation, have received support from Visa, Mastercard, Stripe, and major Web3 organizations, enabling software to pay autonomously. Because AI agent transactions are extremely small (about $0.001 per transaction), and require autonomous contract execution, decentralized identity verification, and fully transparent audit trails, blockchain’s high throughput, smart contracts, and crypto-native asset characteristics make it an indispensable infrastructure.

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ADXTrendStrength

· 07-22 02:15

Franklin Templeton’s judgment is quite forward-looking. The agency-based business, with a projected scale of 3–5 trillion by 2030, simply can’t be supported by the delays and costs of traditional clearing and settlement if blockchain isn’t used. Also, since x402 has received support from giants like Visa, it shows that traditional payments are also embracing decentralization. However, the barriers for autonomous smart contracts and decentralized identity are not low, and privacy and regulatory issues still need to be addressed for them to be successfully deployed.

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PrivateKeyCarver

· 07-22 02:08

Indeed, traditional clearing systems can’t handle massive volumes of microtransactions—blockchain is the only solution.

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CrossChainPigeon

· 07-22 01:56

The micro-transaction scale brought by agentic AI is astonishing—traditional finance alone can’t handle the fee burden. Only an open standard like x402, combined with smart contracts, is the real foundation for automated payment infrastructure.

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