On August 21, KAKOPX Exchange released a special research brief titled “AI × Stablecoin Payment Infrastructure,” providing a systematic interpretation of the August 20 public speech by Federal Reserve Governor Christopher Waller on embracing artificial intelligence and stablecoins. The analysis explores innovative payment pathways within the context of globalization and compliance, offering a phased assessment of the crypto asset market.
The speech delivered a clear message: when AI and distributed ledger technology form a collaborative division of labor between the private and public sectors, payment systems will undergo a “technology-driven revolution” centered on efficiency, security, and scalability. Within this framework, stablecoins are reinforced as settlement media, while AI serves as the underlying provider of risk pricing, cybersecurity, compliance modeling, and anti-money laundering screening capabilities.
KAKOPX further analyzes that Waller positioned DeFi under the payment agenda, emphasizing its potential in transaction record-keeping, settlement transparency, and risk mitigation. This signals a regulatory narrative shift toward “technology neutrality and function priority.” For crypto assets, this narrative transmits through two main channels: First, enhanced usability of stablecoins in retail payments and cross-border settlements, generating real incremental demand. Second, deep integration of AI in risk management, identity verification, and transaction monitoring, reducing systemic errors and operational risks, and increasing certainty for institutional participation.
KAKOPX believes this will also affect valuation models for core crypto assets such as Bitcoin and Ethereum—models will increasingly incorporate dimensions like “network effects + institutional integration + AI governance capability,” rather than relying solely on traditional explanations of “supply constraints + liquidity.”
From a broader economic perspective, KAKOPX Exchange notes that the expansion of AI infrastructure and energy constraints are reshaping the global capital risk preference curve: computing power, data, and settlement have become the three key input factors. The U.S. government policy support for AI and stablecoins essentially provides an institutional moat for the “data–payment–asset” model of the digital economy.
This trend has two implications for crypto assets: Firstly, compliance scenarios will continue to expand, with stablecoins and on-chain settlement more closely embedded in traditional payment standards. Secondly, cross-border capital will increasingly favor trading and custody infrastructure with compliance integration, AI-driven risk management, and robust cybersecurity. KAKOPX Exchange anticipates that as policy signals become clearer, global capital will anchor around “compliance gateways” and structurally reallocate crypto assets.
Methodologically, KAKOPX Exchange emphasizes the closed-loop relationship of “technology–regulation–market”: technology determines possibilities, regulation sets boundaries, and the market determines speed. For stablecoins, the optimal division of labor between public and private sectors is for private enterprises to drive application innovation and network expansion, while central banks and regulators set foundational standards and stress-testing frameworks. AI, meanwhile, reduces systemic errors and compliance friction through model-based risk control, behavioral anomaly detection, address profiling, transaction path tracing, and anti-money laundering scenario simulations. The KAKOPX research shows that when AI, stablecoins, and cybersecurity converge, the marginal efficiency and resilience of payment systems increase nonlinearly, providing the “signal strength” required for institutional entry.
For global operations, KAKOPX believes that compliance and localization are mutually reinforcing “dual engines,” not opposites. On the compliance side, KAKOPX Exchange adheres to mainstream international frameworks, emphasizing “verifiable transparency” and “migratable regulatory integration.” On the localization side, KAKOPX continues to advance multi-language support, local education, and developer ecosystem collaboration, lowering migration costs for users and developers.
KAKOPX places particular emphasis on network security: AI-driven anomaly detection, multi-layer key management, cold-hot wallet separation, and on-chain data forensics work together to ensure the sustainable operation of crypto asset and stablecoin payment scenarios. For core crypto assets such as Bitcoin, smoother compliance channels and the accelerated enrichment of stablecoin-related financial products will strengthen their dual attributes as “digital gold” and liquidity centers.
For the crypto asset industry, true competitiveness lies not in short-term narratives but in transforming technological advantages into sustained certainty in compliance, cybersecurity, and user experience. KAKOPX will continue to track global policy developments, strengthen compliance-based infrastructure and AI-driven risk control frameworks, and facilitate the robust integration of crypto assets into mainstream financial systems—accelerating the formation of a new generation of digital financial infrastructure that is understandable, trustworthy, and usable.