AI Agents on the Rise — The Driving Force Behind Stablecoin Adoption?
As stablecoins gain momentum in global finance, AI agents are emerging as the key force driving adoption. Galaxy Digital founder Mike Novogratz predicts that AI will soon become the largest user of stablecoins. From payments to autonomous economies, this convergence is reshaping the future of Web3. At the forefront of this shift, XWorld has already built a self-sustaining ecosystem that integrates AI agents and stablecoin-powered transactions.
Stablecoin Adoption Enters a New Era
Stablecoins, digital assets pegged to fiat currencies such as the U.S. dollar, have become the backbone of digital finance. They offer price stability, rapid settlement, and cross-chain interoperability. As of August 2025, the global stablecoin market cap has reached $280 billion, accounting for 7% of the total crypto market.
In the U.S., the GENIUS Act (Guidance and Establishment for National Innovation of U.S. Stablecoins), passed in July 2025, has provided long-awaited regulatory clarity—boosting confidence and accelerating adoption.
At the same time, the rise of AI agents is bringing new possibilities to stablecoin usage.
Adoption Signals from Industry Leaders
Tech giants like Apple, Google, Airbnb, and X (formerly Twitter) are testing stablecoin integrations to cut fees and optimize cross-border transactions.
Retail platforms such as Shopify and Spar are enabling stablecoin payments for faster, cheaper settlements.
Payment networks including Visa are expanding settlement capabilities, embedding stablecoins into the global financial infrastructure.
This mainstream adoption coincides with the emergence of AI-driven automation.
Novogratz: AI Will Become the Largest Stablecoin User
Galaxy Digital founder and CEO Mike Novogratz told Bloomberg: “In the not-so-distant future, the biggest user of stablecoins is going to be AI.”
He envisions AI agents handling everyday transactions on behalf of users:
Grocery agents that purchase food based on your diet.
Travel agents that book and pay for trips automatically.
Healthcare agents that manage insurance and prescription payments.
Coinbase developers echo this, suggesting that AI agents may become Ethereum’s largest power users, leveraging protocols like HTTP 402 for autonomous payments.
Research firm Bernstein projects the stablecoin market could reach $3 trillion by 2028, with AI adoption acting as a major driver.
XWorld: From Vision to Reality
While the industry debates the “AI + stablecoin” future, XWorld is already building it.
Launched in 2023, XWorld has grown into a self-sustaining agent economy, combining AI training, tokenized incentives, and stablecoin-based settlements. Users can create, deploy, and monetize AI agents across entertainment, gaming, and productivity—while stablecoins enable frictionless, global payments.
Key ecosystem highlights:
11M+ cumulative downloads and 1M+ MAUs on Telegram MiniApp, with 400K+ community members across platforms.
$22M+ in 2024 revenue, over 2B gameplay records, and $347M+ in token trading volume.
Popular agents include FactoryMind (+23,037% weekly gain) in smart manufacturing and NeoBody AI (+23.37%) in embodied intelligence.
Expanding use cases in healthcare AI, data analytics, and gaming, already aligning with stablecoin-backed micropayments.
These figures prove that the foundation of an autonomous agent economy is already in place.
Looking Ahead: XWorld’s Role in the AI–Stablecoin Future
Amid regulatory tailwinds and accelerating adoption, XWorld is set to lead the convergence of AI and stablecoins:
2026–2027: Achieve multi-agent intelligent collaboration and open SDKs/APIs, unlocking new income models for developers and community creators.
2028–2029: Enter the “AI-for-Everyone” era, fully launching agent creation tools and a modular marketplace for trading AI components.
2030 and beyond: Build a unified GameFi clearing system serving 500M+ users, powering metaverse economies driven by AI Agents—from autonomous driving to cosmic exploration—with stablecoins as the foundational layer for payments.
Conclusion
The convergence of AI agents and stablecoins is more than a possibility—it is already unfolding. Stablecoins are evolving from financial instruments into the currency of autonomous systems, and XWorld is at the forefront of making this transformation real.
The next chapter of Web3 will not only be decentralized but also autonomous, agent-driven, and powered by stablecoins.
🔗 Learn more and join XWorld
Website: xworlds.biz
Whitepaper: GitBook
MiniAPP: Telegram
Community: Telegram Group
Twitter: @xworld_ai
Linktree: xworld_ai
New Feature: Agent Liquidity Mining Is LIVE!
XWorld is excited to unveil Agent Liquidity Mining — a brand-new mechanism to reward long-term holders and strengthen the ecosystem!
🌊 What Is Liquidity Mining?
By pairing your Agent Token with an equal amount of $WORLD, you can add liquidity and enjoy multiple rewards:
🔹 Up to 40% Annualized Yield
Rewards grow with time — the longer you stay in, the higher the APR (up to 40% after 12 months).
🔹 Earn Transaction Fees
Earn a share of trading fees generated from the liquidity pool, based on your contribution ratio.
🔹 Flexible Management
Create, partially withdraw, or fully remove your liquidity at any time. Unclaimed rewards will be automatically collected when you withdraw.
💡 Reward Details
Annualized Yield (APR)
Distributed monthly on the 1st (UTC+0) in off-chain $WORLD.
Yield increases linearly each month, up to a maximum of 40% APR.
Transaction Fees
Can be claimed manually at any time (gas fees apply), or automatically upon full withdrawal.
📌 Who Can Join?
For the best user experience, liquidity mining is only available to AI Agents with a market cap ≥ $1.5M
Trying to join early? You'll see this message:
"To ensure optimal functionality, liquidity mining is only open to AI Agents with a market cap of 2M or higher".
🛠 Feature Highlights
Access the feature directly via your Agent Details Page
Create positions with just a few clicks
View total position value, real-time APR, and unclaimed rewards
Sort and manage multiple liquidity positions with ease
All actions (add/remove/claim) supported with secure on-chain confirmation
🧪 Why This Matters
This is a key step in our mission to:
✅ Encourage long-term holding
✅ Boost liquidity and token stability
✅ Reward our early believers and ecosystem contributors
Agent Liquidity Mining is a smart move to earn rewards while strengthening the ecosystem.
Let your Agent work smarter, join now and make the most of your $WORLD!
🔗 Learn more and join XWorld
Website | Whitepaper | MiniAPP | Twitter | Telegram | Linktree
From TikTok to XWORLD: Secrets of Web3 Growth
XWORLD is taking a bold step forward with the launch of its latest campaign aimed at driving mass adoption of Web3. This initiative not only highlights the company’s innovative ROI flywheel model but also introduces new features that seamlessly integrate Web2 and Web3 user experiences. With 5.4 million users and 600,000 daily active users already engaged, XWORLD is set to accelerate its growth trajectory by offering unprecedented transparency and a fair profit distribution model. This new approach promises to bridge the gap between Web2 users and the advanced world of Web3 — without users even realizing they’ve made the transition.
To truly understand the potential of XWORLD's approach, we need to explore the broader context of Web3 mass adoption and how strategies from successful Web2 platforms like TikTok can offer valuable lessons for growth in the Web3 era.
The Road to Web3 Mass Adoption
The term "Mass Adoption" has become a buzzword in the tech industry, especially in discussions about Web3. Everyone is eager to see Web3 technologies reach their full potential, but the transition from Web2 to Web3 has been slow. While some efforts like GameFi, SocialFi, and AA wallets have been launched, they haven't quite hit the mark yet. Many blame inadequate infrastructure, but the true reason lies deeper.
To fully understand the issue, we must define the goal of Mass Adoption: converting Web2 users to Web3 without them even realizing it. Success in Web3 should not depend on whether a product is labeled "Web2" or "Web3". Instead, Web3 companies must learn from the success of Web2 platforms, such as TikTok, and develop sustainable growth strategies. A perfect model for this is the ROI flywheel — an approach that has already proven its effectiveness in the Web2 world.
The Rise of TikTok and What Web3 Can Learn
TikTok's meteoric rise to fame is an excellent case study for understanding user acquisition. Within its first few months, TikTok attracted over 50 million monthly active users. Just two years later, by 2019, it had an astounding 250 million daily active users (DAU) and 500 million monthly active users (MAU).
TikTok's growth wasn't just due to its engaging content or superior features. In fact, its rapid expansion was fueled by a smart marketing strategy. TikTok invested heavily in user acquisition through digital advertising platforms like Google, applying a simple formula: spend money to acquire users, monetize them, and reinvest in acquiring more users. This continuous cycle of investment and returns formed a self-sustaining model, which we call the "ROI flywheel".
The lesson for Web3? Success is not just about having a great product. It's about establishing a commercial loop that can drive user acquisition, retention, and monetization-much like TikTok's model.
The ROI Flywheel Explained
At its core, the ROI flywheel model is a growth strategy built on three pillars:
1. User Acquisition
The first step is to acquire users through paid marketing or partnerships. The goal is to spend money to bring in users and then monetize them in a way that covers acquisition costs. Web2 platforms like TikTok used digital advertising to attract users at scale. Web3 platforms must adopt a similar approach but with added transparency and efficiency thanks to blockchain technology.
2. User Retention and Conversion
Acquiring users is just the beginning. Keeping them engaged and turning them into loyal customers is the next challenge. TikTok mastered this through personalized content and excellent user experience. For Web3, the key will be creating products that users genuinely enjoy and want to keep using, without focusing too much on the technical aspects of Web3 itself.
3. Commercialization
Finally, the monetization process. The more users you retain, the more opportunities you have to monetize. In Web2, this could be through ads, subscriptions, or partnerships. For Web3, tokenomics and blockchain transparency can enhance these monetization strategies, leading to better long-term growth.
When combined, these three elements form a continuous loop that feeds into itself. More users mean more revenue, which can be reinvested to acquire even more users, accelerating growth.
Challenges in Web3 and How XWORLD is Overcoming Them
Web3 projects face unique challenges that Web2 companies did not. For instance, Web3 products often rely on task platforms (like Galxe) or social media (like Twitter) for user acquisition. While these platforms can be effective, they come with limitations. Task platforms often struggle to create sustainable business models, while sociall media promotion can lead to inflated user numbers without actual growth.
XWORLD is different. By integrating a mature Web2 business model with the transparency and fairness of Web3, XWORLD is creating a closed-loop ROI flywheel that is poised to succeed. XWORLD's approach minimizes the reliance on traditional methods like airdrops or speculative tokens, which can often lead to unsustainable growth.
Instead, XWORLD focuses on building a solid business foundation with strong monetization capabilities, which makes it easier to scale over time. With 5.4 million users and 600,000 daily active users, XWORLD's flywheel model is already proving its effectiveness.
The Path to Mass Adoption
To achieve mass adoption, Web3 needs more than just great technology. It requires products that people actually want to use, combined with an efficient growth strategy. XWORLD's model shows that by borrowing strategies from Web2-like the ROI flywheel — and applying them to Web3, it's possible to achieve sustainable growth.
Mass adoption doesn't depend on whether a product is labeled as Web2 or Web3. Instead, it's about whether that product meets users' needs and whether the company behind it has a solid growth strategy in place. With its focus on game and application distribution, XWORLD is uniquely positioned to lead the way toward mass adoption.
Conclusion
Mass adoption is within reach, but only for companies that understand how to blend Web2 growth strategies with the unique advantages of Web3.XWORLD's integration of the ROI flywheel into its growth model is a perfect example of how this can be done effectively. By focusing on user acquisition, retention, and monetization, XWORLD is creating a scalable model that will drive Web3 into the future.
As the industry evolves, it's clear that the next big wave of Web3 growth will come from those who can attract users without them even realizing they've entered the world of Web3. XWORLD's success in applying the ROI flywheel model offers valuable lessons for any Web3 project looking to achieve mass adoption
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