Opinion: Crypto wallets are being restructured for AI agents; in the future, AI may have its own independent on-chain wallets.

According to Mars Finance, at the Consensus 2026 conference on May 9th, Trust Wallet CEO Felix Fan and Mesh CTO Arjun Mukherjee stated that AI Agents are driving a restructuring of crypto wallet architecture, enabling AI to hold assets, conduct on-chain transactions, and establish on-chain identities. Trust Wallet has launched its Agent Kit, allowing AI Agents to autonomously execute on-chain operations such as transactions and transfers, and is advancing Ethereum Proposal EIP-8004 to provide AI Agents with an on-chain identity and credit scoring system. Felix Fan stated that the consumer side still adheres to the "user holds the key, gradually authorizes" model, with AI primarily acting as an on-chain operation assistant; while the developer side allows Agents to perform operations more autonomously. Mesh has launched Smart Funding technology, which can automatically route funds between different chains, accounts, and tokens to reduce the complexity of Web3 usage. The Mesh CTO stated that one of the core problems facing 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 will likely launch their own wallets in the future. Felix Fan mentioned that X has publicly promoted X Money, and Grok will likely also have a built-in wallet. "AIs like Claude may also run directly on the blockchain in the future."