Michael Novogratz Sees AI Driving Stablecoin Adoption in Everyday Payments

AI-Powered Assistants as Future Stablecoin Users

Michael Novogratz, CEO of Galaxy Digital, believes artificial intelligence will play a central role in the next wave of digital finance. In a recent Bloomberg TV interview, he predicted that AI-powered agents will soon become the primary users of stablecoins. These digital assistants could manage tasks such as grocery shopping, subscription renewals, and other payments directly through crypto infrastructure.

Novogratz doesn’t see this shift as a distant future. He suggested it could happen within the next few years, possibly as early as next year. Instead of using platforms like Venmo or traditional bank transfers, he envisions consumers telling their AI to make a purchase, with the payment instantly processed in stablecoins.

Stablecoin Market Growth and Regulatory Push

The stablecoin sector is already expanding quickly. With a current market cap of roughly $280 billion, analysts expect it to reach $2 trillion by 2028. Novogratz argues that AI will accelerate this growth by enabling more machine-to-machine transactions across both consumer and enterprise use cases.

At the same time, regulation is adding momentum. Countries such as the U.S. and Hong Kong are drafting frameworks to bring clarity and trust to the stablecoin market. In the U.S., legislation like the GENIUS Act aims to encourage broader institutional adoption by establishing clear legal guidelines.

Institutional Interest and Financial Transformation

Large institutions are also beginning to explore stablecoin applications. Banks, fintech firms, and major tech companies are testing use cases like cross-border payments, remittances, and payroll services. Novogratz expects these players to accelerate adoption as AI-driven financial applications gain traction.

He believes the mix of AI automation and stablecoin efficiency could reshape how money moves in everyday life. Stablecoins may evolve from being a bridge between fiat and crypto into the default currency for intelligent digital systems.

If this vision comes true, the financial ecosystem could undergo a significant transformation, with instant, trustless, and programmable payments becoming the new normal.