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AI Agents Prefer Bitcoin Over Fiat, New Study Finds

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A Bitcoin Policy Institute study delves into how artificial intelligence models choose among money forms in a variety of hypothetical scenarios, revealing a strong inclination toward Bitcoin and digital money over fiat in most cases. The research tested 36 models across six providers and generated more than 9,000 responses across a spectrum of monetary tasks, from long-term value preservation to everyday payments. The findings show Bitcoin outpacing stablecoins in many contexts, while stablecoins regain sway in transactional use cases like micropayments and cross-border transfers. The study’s authors emphasize that the results reflect training data patterns and framing rather than widespread real-world adoption, but they nonetheless offer a unique lens on how AI interprets money in a digital era, with results released via MoneyForAI.org.

Key takeaways

  • 36 AI models across six providers produced 9,072 responses to monetary scenarios; Bitcoin was selected in 48.3% of cases, the most-used instrument overall.
  • When asked to preserve purchasing power over multi-year horizons, 79.1% of responses favored Bitcoin, the study’s most lopsided result.
  • In payments, micropayments, and cross-border transfers, stablecoins were chosen 53.2% of the time versus 36% for Bitcoin, highlighting a transactional edge for stablecoins in certain contexts.
  • Nearly 91% of responses preferred digitally native instruments (including Bitcoin or other digital assets) over fiat, with zero models rating fiat as their top choice.
  • Model-provider differences emerged: Anthropic models averaged 68% BTC preference; OpenAI 26%; Google 43%; and xAI 39%, illustrating how training data shapes outputs rather than deterministic financial forecasting.

Tickers mentioned: $BTC

Market context: The study arrives amid ongoing experimentation with digital money in AI-assisted scenarios, underscoring how institutional and research communities are evaluating Bitcoin’s role as a borderless, programmable asset alongside stablecoins and other digital instruments.

What to watch next – The Bitcoin Policy Institute plans to broaden the model set and providers, test different prompt framings, and explore additional monetary scenarios to validate whether these preferences hold under varied conditions.

Why it matters

For users and investors, the findings offer a nuanced view of how AI systems—trained on vast data corpora—perceive money forms in a digital economy. The recurring tilt toward Bitcoin in long-horizon scenarios reinforces Bitcoin’s narrative as a non-sovereign store of value that can operate independently of any single country’s monetary policy. Yet the study also highlights practical reasons stablecoins remain appealing for transactions: near-instant settlement, compatibility with existing payment rails, and the ability to freeze or limit access in certain jurisdictions, which some participants see as a drawback for a universally accessible currency. The methodological caveats matter for interpretation: the results reflect synthetic prompts and model training data rather than current market adoption or consumer behavior.

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From a development perspective, the research underscores how AI agents—when asked to optimize for efficiency or resilience in simulated economies—tend to converge on a small set of digital money forms. This convergence could inform the design of wallet interfaces, AI-driven financial planning tools, and cyber-physical systems that rely on digital value transfers. It also raises policy questions about the role of programmable money in cross-border ecosystems and how guardians of financial stability might respond to AI-generated preferences that favor digital currencies in abstract decision environments. In other words, the study is less about predicting the next price move and more about understanding how AI framing shapes perceptions of what “money” should look like in a digitized world.

The research also points to distinct differences across AI families. Anthropic models leaned most toward Bitcoin, while other providers displayed broader variance. These disparities remind readers that the results are contingent on the models’ training data and internal prompts rather than a universal forecast for asset demand. While some may interpret the Bitcoin bias as an endorsement of BTC in all contexts, the authors are careful to emphasize that the observed preferences do not translate directly into real-world adoption or policy outcomes. They describe the results as patterns emerging from the interplay between model design and the digital money landscape rather than a prescriptive verdict on fiat, stablecoins, or Bitcoin itself.

What to watch next

  • Expanded model coverage: expect the BPI to include more AI models and more providers to test whether the BTC preference persists across the broader AI ecosystem.
  • Framing sensitivity: researchers will experiment with alternative prompts to determine how wording and context influence outcomes.
  • Broader scenarios: additional situations—such as storing earnings across multiple countries and complex settlement schemes—could further illuminate how AI perceives money in varied environments.
  • Implications for tooling: developers building AI-assisted financial tools may use these insights to shape asset-selection features and risk disclosures in simulated environments.

Sources & verification

Bitcoin’s role in AI-driven monetary tests: what the study reveals

Bitcoin (CRYPTO: BTC) emerged as the leading instrument across the majority of prompts, appearing in 48.3% of the 9,072 responses generated by 36 models across six providers, according to the Bitcoin Policy Institute’s report released on MoneyForAI.org. The exercise probed a range of economic scenarios—from preserving purchasing power over years to everyday payments—testing how AI agents allocate value across money forms. The result is a strong tilt toward digital money, particularly Bitcoin, as the substrate for economic activity that can function across borders and regulatory regimes.

In long-horizon scenarios, the study found 79.1% of AI responses favored Bitcoin, marking the most pronounced bias in any tested category. This constellation of results suggests that, when asked to optimize for durability and sovereignty, AI agents consistently gravitate toward assets that retain value independently of any single country’s monetary policy. The digital-money axis appears to be the most favored frame for multi-year planning within the tested prompts, hinting at how future AI tools might simulate or advise on wealth preservation in a world where fiat policies are volatile or opaque.

Conversely, when the focus shifts to payments and transactions—whether micropayments or cross-border transfers—stablecoins win a higher share: 53.2% of responses favored stablecoins, while Bitcoin attracted 36%. The transactional efficiency and network familiarity of stablecoins explain their appeal in these contexts, where rapid settlement and compatibility with existing systems can matter as much as asset selection in a simulated environment. A prominent industry observer noted that stablecoins’ ability to be frozen is a double-edged sword: it provides control in certain regulatory settings but removes a layer of confidence for users seeking an uninterrupted transfer capability. Jeff Park, the chief investment officer at Bitwise, framed the context succinctly: the “most obvious explanation” for stablecoins’ relative performance in these scenarios is the ability to freeze, whereas Bitcoin cannot be frozen, offering a durable trust anchor in a digital suite of tools.

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Across all responses, the AI agents favored digitally native instruments—Bitcoin, stablecoins, altcoins, tokenized real-world assets, or compute units—over fiat in roughly 91% of cases. The study’s authors emphasize that fiat relevance did not appear as a top overall choice in any of the 36 models tested. They caution readers that these results reflect patterns in training data and prompt design more than real-world adoption patterns. In other words, the study captures how AI systems interpret monetary constructs when asked to optimize for hypothetical outcomes, rather than a forecast of consumer behavior or regulatory impact.

The analysis also reveals notable differences among model families. Anthropic models averaged a Bitcoin preference of 68%, with OpenAI at 26%, Google at 43%, and xAI at 39%. These numbers illustrate how distinctive training corpora and prompt engineering shape outputs, reinforcing the study’s central caveat: responses are indicative of data patterns rather than prescriptive predictions about the future of money. The researchers acknowledge that the prompt framing used in several scenarios may have steered results toward certain instruments, and they plan to explore alternative framings in future work to measure sensitivity and robustness of the observed preferences. Aside from the methodological note, the study contributes to a growing discourse about how AI agents conceptualize money in a highly digitized financial landscape, where fiat, stablecoins, and digital assets coexist in a rapidly evolving ecosystem.

Risk & affiliate notice: Crypto assets are volatile and capital is at risk. This article may contain affiliate links. Read full disclosure

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Harvard Picks ETH USD After Trimming Bitcoin ETF Exposure

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Harvard, one of the world’s most prestigious Universities, just trimmed its Bitcoin ETF position by roughly $72M and rotated the capital into Ethereum.

SEC filings show the Univertisities $57Bn endowment cut its stake in BlackRock’s IBIT in Q4 2025, while initiating an $86.8M position in iShares Ethereum Trust (ETHA).

This move plays into the growing sentiment in the market that ETH USD represents a stronger conviction play in 2026, driven by continued network upgrades and consistent institutional adoption from some of the world’s biggest firms.

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It comes as the total crypto market cap climbed 2.6% overnight and is back above $2.4 trillion, with Bitcoin price and Ethereum USD reclaiming key levels at $69,000 and $2,000, respectively.

Harvard has reduced its Bitcoin ETF exposure in favour of a fresh Ethereum USD investment but BTC is still the University's largest holding

(SOURCE: CoinGecko)

Q4 Filing Shows $72M Bitcoin ETF Trim, $86.8M Ethereum Add

The changes from America’s most prestigious University were disclosed in an SEC Form 13F filed on February 13, covering the quarter ended December 31, 2025.

Harvard Management Company cut its IBIT stake to 5,353,612 shares, valued at $265.8M at year-end prices. That’s down from the prior quarter, equating to roughly $72M in net sales based on IBIT’s December 31 close of $49.65.

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At the same time, the endowment initiated a 3.87M-share position in ETHA, valued at $86.8M. It’s Harvard’s first disclosed allocation to an Ethereum ETF since US spot ETH products launched in mid-2024.

Bitcoin remains the largest single disclosed equity holding in the University’s 13F portfolio, still larger than positions in Google, Microsoft, or Amazon, highlighting the University’s firm belief in Bitcoin’s long-term prospects and now in Ethereum’s.

Harvard has reduced its Bitcoin ETF exposure in favour of a fresh Ethereum USD investment but BTC is still the University's largest holding

(SOURCE: Fintel.io)

EXPLORE: Best Crypto Presales to buy in 2026

What Does Harvard’s Rotation from Bitcoin ETF to Ethereum Signal for Institutions and Everyday Investors?

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The main takeaway is simple: Harvard is rotating from its Bitcoin ETF exposure and into Ethereum USD. It is yet another institution betting on ETH being the stronger play for the foreseeable future.

However, another angle with this story is diversification within crypto, not away from one particular asset. Even after the trim, combined exposure sits at $352.6M.

You don’t have to be an ETH bull or BTC maxi to acknowledge that it’s a meaningful crypto allocation for a conservative endowment, regardless of your allegiance, and this comes from someone who is a huge Ethereum maxi.

The structure also matters. Crypto now represents about 12.8% of Harvard’s reportable US equity holdings. That’s not experimental sizing; it highlights the University’s firm belief in digital assets.

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Why is Ethereum Being Seen as the Golden Ticket in 2026?

Meanwhile, institutional Ethereum interest is building elsewhere. Public companies are adding ETH to treasuries, as seen in BitMine’s recent allocation, where shares jumped after the firm expanded its ETH holdings.

On-chain data also shows large holders accumulating during drawdowns, according to recent analysis of whale and RWA flows.

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Fidelity, a $5.9 trillion asset manager, also recently launched its own stablecoin on Ethereum, one of many TradFi giants that have chosen the Vitalik Buterin-led network for their products.

This is the broader trend right now: Bitcoin as a macro reserve asset and Ethereum as the number one growth-layer infrastructure.

Bitcoin Price and Ethereum USD Price Levels: Key Zones After Q4 Volatility

Bitcoin is currently trading near $69,300 after a sharp retracement from its $126,000 October 2025 high. The $60,000–$62,000 zone remains structural support and has remained intact so far. However, a loss of that magnitude could quickly bring $52,000 into view.

On the upside, $72,000 is the first significant resistance. Reclaim that with volume, and the market likely moves toward $80,000 next. No follow-through, and it will likely spell a period of the Bitcoin price staying range-bound for some time.

Ethereum USD, meanwhile, trades just over $2,000 after a roughly -30% correction in Q4. The $1,800 level is the line in the sand. It has held throughout all of this ongoing volatility, and if $2,000 can hold, $2,400 is back on the table.

DISCOVER: Next Crypto to Explode in 2026

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Is BTCC a Safe Crypto Exchange?

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BTCC is a well-known centralized cryptocurrency exchange. It was founded in 2011, making it one of the veterans in the space.

The platform provides cryptocurrency derivatives trading, as well as traditional services through a mobile application and a web interface.

As of 2026, BTCC reports over 9 million registered users and an expanded product offering, including, but not limited to, futures trading, copy trading, promotional incentive programs, multi-asset trading through its BTCC TradFi initiative, and more.

The following review takes a closer look at the core BTCC products, its security protocols, ease of use, user feedback, and more, and attempts to answer whether it’s a safe crypto exchange to use in 2026.

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Main Takeaways

  • BTCC was founded in 2011 and currently has over 9 million registered users.
  • The platform supports more than 400 trading pairs and leverage of up to 500x on selected major assets.
  • BTCC offers copy trading and provides various rewards for new users.
  • The exchange also has a TradFi section where users can trade gold, forex, commodities, and more.

Pros:

  • Long operational history (since 2011)
  • Large number of trading pairs
  • Includes additional services such as copy trading and TradFi
  • No security breaches since inception

Cons:

  • High leverage levels carry inherent risk for beginners.
  • TradFi asset trading is limited in its support for USDT settlement only.

Company Background

BTCC was founded in June 2011, during the earliest development periods of Bitcoin and the rest of the nascent crypto industry. Since its establishment, the company has operated through multiple market cycles, witnessing four Bitcoin halving events.

The exchange states that it has seen zero security breaches since inceptions, which is a notable milestone. There are also no public records of any incidents.

As of 2026, BTCC reports over 9 million users registered globally.

Operating under the slogan “Exchange for a better future,” the company states that its vision is to make crypto trading accessible and reliable to everyday users, as well as to experienced traders alike.

It defines its core values as Focus, Growth, Experience, and Fairness, which also supposedly guide product development, service quality, and overall platform support.

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Core Products and Trading Services

Naturally, BTCC supports spot trading for a number of different cryptocurrencies. In fact, at the time of this writing, it’s ranked 26 on CoinMarketCap’s list by means of daily trading volume.

The focus, however, seems to be on its derivatives trading section, where the exchange is currently 16th by means of open interest.

Cryptocurrency Futures Trading

Being a well-known centralized exchange, one of the core products that BTCC has to offer is its futures trading platform. As of 2026, the exchange lists more than 400 trading pairs.

Some of the major digital assets, which are available for futures trading include:

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  • BTC
  • ETH
  • DOGE
  • SOL
  • XRP, and more.

Perpetual futures are incredibly popular in the cryptocurrency industry. They are a type of futures contract, but unlike traditional ones, they don’t have an expiration date, meaning that traders can open and close them at any given moment.

For these major assets, the exchange supports leverage of up to 500x. For lesser-known, less popular altcoins, leverage ratios range from 10x to 100x. It’s worth noting that trading with a 500x leverage ratio is incredibly risky and can lead to temporary liquidations. Experienced and disciplined traders rarely use leverage of more than 2-5x, as this significantly increases the risk of losing capital.

USDT-M Perpetual Futures

Those specific perpetual futures contracts are settled exclusively in USDT.

COIN-M Perpetual Futures

These perpetual futures contracts can be settled in select cryptocurrencies, which is convenient for those of you who don’t wish to off-ramp to stablecoins.

Copy Trading

In addition to the above, BTCC also supports Copy trading. For those unfamiliar, this trading feature is very popular in the industry, and it enables users to replicate the trading strategies of other traders on the platform.

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As you can see, the interface is relatively simple and easy to use. Users are presented with different traders to copy. Their performance results are clearly indicated.

Moreover, BTCC regularly has different promotional terms to incentivize people to use various products of its platform, including Copy trading.

BTCC TradFi

Launched in February 2025, BTCC TradFi enables users to trade a number of traditional financial instruments through its platform, unifying the broader experience and further expanding its product offering.

Some of the available asset classes include:

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  • Gold
  • Foreign Exchange (FOREX)
  • Commodities
  • Indices
  • CFDs (contracts for difference) and others.

Security and Risk Management

As mentioned above, BTCC’s security hasn’t been compromised since its establishment. The exchange states that their security and risk control measures are properly integrated within the platform’s infrastructure.

It implements a number of best practices, such as storing a portion of user funds in secured cold wallets, as well as asset segregation.

According to the official security page of BTCC, it stores assets 1 to 1. This means that if the user deposits Bitcoin, then BTCC will store Bitcoin. If they deposit USDT, the exchange will store USDT.

In addition, standard security measures such as Two-factor authentication (2FA) are also available, but in addition to that, the BTCC web app has a login history section so that users can monitor when and where they have been logged in.

BTCC also requires identity verification procedures, which are in accordance with its AML and KYC policies. These are designed to identify each user and monitor transactions in line with regulatory compliance practices.

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The exchange also states that it conducts regular system monitoring and maintenance to manage operational risk.

Customer Support

It’s important to outline that BTCC has developed a very thorough support page where users are able to resolve a lot of the more frequently faced issues themselves. You can find it here.

Moreover, there is an automated chatbot, which can help you navigate the situation and, if needed, connect you to a representative via live chat.

The support is available 24/7 ,and the assistance is multilingual, so you wouldn’t have to worry about the language barrier.

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User Experience

The exchange boasts a familiar interface, which makes it easy for users to navigate the entire platform.

Right from the get-go, the tools feel easy to use and there are no complexities, which are commonly present in a lot of other crypto exchanges.

From the copy trading features to the derivatives trading, it all seems quite cohesive and easy to work with.

At the same time, the trading tools contain the necessary complexities for advanced traders who handle hundreds, even thousands, of orders per session.

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How to Create a BTCC Account

Following a similar theme, registering a BTCC account is quite easy.

First, you need to visit the official website and decide whether you want to register with your email or with your phone number – both are fine.

As soon as you have your account officially registered, we highly recommend that you go to your security settings and immediately turn your 2FA on. The importance of security can never be understated.

Once that’s done, you should head to the KYC section and verify your identity. This will lift any restrictions your account may have and as soon as this is done, you can proceed to depositing funds and start trading.

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Conclusion: BTCC Exchange Review in 2026

As of 2026, BTCC operates a popular centralized cryptocurrency exchange, offering all the well-known trading features and beyond.

One of the primary characteristics is its considerably higher leverage, which can both amplify your winnings but also substantially elevate your risk parameters.

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The platform includes copy trading functionalities, different margin-settlement options, select traditional financial instruments, and more.

With over 9 million registered users as of the time of this writing, BTCC is a highly-ranked crypto exchange and a prominent player in the industry.

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X Targets Undisclosed AI Conflict Videos With Revenue Ban

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X Targets Undisclosed AI Conflict Videos With Revenue Ban

Social media platform X will suspend creators from its revenue-sharing program for 90 days if they post AI-generated war footage without clearly disclosing that the content was created using artificial intelligence.

On Wednesday, X’s head of product, Nikita Bier, said the rule aims to maintain “authenticity of content on Timeline” during wartime events, when misleading media can spread quickly.

“During times of war, it is critical that people have access to authentic information on the ground,” Bier wrote. “With today’s AI technologies, it is trivial to create content that can mislead people.”

Related: Bitcoin holders show ‘zero panic‘ as BTC hits $70K amid Middle East tensions

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The move adds financial penalties to X’s existing moderation tools, linking disclosure of AI-generated media to monetization eligibility. 

Source: Nikita Bier

Monetization enforcement tied to AI disclosure

Unlike traditional moderation measures such as labels or removals, the new rule targets the platform’s creator economy by restricting access to revenue-sharing for policy violations.

X said creators who publish AI-generated conflict footage must clearly disclose that the content was created with artificial intelligence. Failure to do so could lead to a 90-day suspension from the program.

Related: 6 Polymarket traders net $1M on US-Iran strike, spark insider fears: Report

Under the update, posts flagged by Community Notes or detected through metadata or other signals from generative AI tools may trigger enforcement.

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Accounts that repeatedly post undisclosed AI-generated conflict videos may face permanent removal from X’s creator revenue-sharing program. 

The policy applies specifically to videos depicting armed conflicts and does not amount to a broader ban on AI-generated content posted to the platform.

Middle East conflict raises misinformation concerns

The announcement comes as geopolitical tensions in the Middle East continue to dominate online discussions across social media platforms.

On Feb. 28, the United States and Israel launched joint airstrikes on Iran. Bitcoin (BTC) briefly dropped to about $63,000 but later recovered. At the time of writing, it traded near $70,000, according to CoinGecko.

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AI is also becoming more deeply embedded in modern conflict environments. On March 1, the US military used Anthropic’s Claude AI model to assist with intelligence analysis and targeting during operations linked to the Iran strikes.