Why Stablecoins Will Be the Big Winners of the New AI Wave?

The rapid growth of artificial intelligence has not only transformed the technology market but may also become one of the biggest drivers of stablecoin adoption in the next decade. A new report indicates that small AI-based businesses and freelancers active in the digital economy could conduct hundreds of billions of dollars in payments through stablecoins.

According to Mihan Blockchain, while traditional international payments still face high fees, multi-day settlements, and geographical restrictions, stablecoins are gradually establishing themselves as a faster and cheaper infrastructure for transferring money. Analysts now believe that the new wave of AI-based entrepreneurs and workforce could accelerate this trend.

The Australian exchange Swyftx has estimated in its second-quarter report that the global market value of freelance payments and the gig economy will reach about $2.1 trillion by 2033.

The report states that approximately $775 billion of this market could be generated by AI-based businesses or so-called "AI-Native" workers. Swyftx estimates that nearly $262 billion of this payment volume will be settled through stablecoins, a figure calculated based on an adoption rate of about 33% for these assets.

Pav Hundal, a senior market analyst at Swyftx, believes that the AI economy and the new wave of tools known as "Vibe Coding" could become one of the most significant drivers of stablecoin usage growth.

He stated:

Adoption of a technology does not happen merely because it exists. It occurs when its use makes economic sense and the legal frameworks are clear. For stablecoins, both conditions are beginning to take shape.

The Swyftx report shows that the smallest businesses, particularly those with fewer than five employees, are now among the fastest groups adopting AI tools. This trend is creating a new generation of independent entrepreneurs and sole proprietorships that operate without the need for traditional company structures.

These individuals typically work with international clients, issue invoices regularly, and receive relatively small but numerous payments; conditions for which traditional banking infrastructure is not designed.

Estimates suggest that the number of these independent businesses currently ranges between 6 to 10 million worldwide, and this figure could increase to about 17 million over the next decade.

Hundal believes that this group of users is very sensitive to transfer costs and payment fees, which could make stablecoins an attractive option for them.

He said:

Many of these independent founders are sensitive to transfer and transaction costs. This market could be a huge opportunity for stablecoins.

One of the most significant advantages of stablecoins compared to traditional payment systems is the substantial reduction in transfer costs. According to Swyftx data, Ethereum layer 2 networks can reduce transfer costs by 80 to 90%.

In contrast, traditional international payment systems typically face several fundamental issues, including high fees, multi-day settlement times, and limited user access in dozens of countries around the world.

These advantages have led to significant growth in stablecoins over the past two years. The market value of these assets has nearly doubled during this period, and their monthly transaction volume reached a record $1.79 trillion in June.

Swyftx believes that the growth in stablecoin usage will not be limited to end users. Behind these payments, companies providing liquidity services, asset custody, settlement, and over-the-counter (OTC) markets could also benefit significantly from this trend.

According to the report, if the projected scenario materializes, revenue from services related to settlement, liquidity, and asset custody could reach about $1.3 billion by 2033. This estimate is based on an average fee of 0.5% for financial and infrastructural services.

Another emerging narrative in the crypto industry is the direct use of AI agents from digital assets.

Unlike humans and companies, AI agents cannot open traditional bank accounts. Therefore, if in the future these agents independently purchase services, pay costs, or engage economically with each other, they will likely rely on digital assets, especially stablecoins, to conduct transactions.

For this reason, some analysts believe that the growth of the AI agent-based economy could create a new wave of demand for stablecoins; a demand that goes beyond the current applications of these assets in cryptocurrency transactions.

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