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Why crypto bulls think AI agents will make stablecoins the default payment layer

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(CoinDesk)

Your AI just made several payments while you read that headline. You approved none of them. Visa processed none of them. And if the crypto industry’s biggest bulls are right, that’s not a bug — it’s the entire future of the internet economy.

Coinbase founder Brian Armstrong thinks there will soon be more AI agents than humans making transactions on the internet. Binance founder Changpeng Zhao went further, predicting agents will make one million times more payments than people, all in crypto. The posts landed on the same day last week and lit up crypto X.

(CoinDesk)

The core argument is structural.

AI agents can’t open bank accounts because banks require identity verification that software cannot provide, whereas a crypto wallet only needs a private key. No KYC, no compliance review, no waiting — and that asymmetry is what Armstrong was pointing at.

But the wallet problem is only half the picture. The other half is economics.

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Agents don’t shop the way humans do. When an AI agent is executing a task — such as researching a topic, coordinating a supply chain, building a report — it might call dozens of specialized APIs in a single session.

Each call might be worth fractions of a cent, where it pays for GPU compute time, real-time data feeds, web scraping services, or hiring a sub-agent to handle translation. None of these transactions resembles anything Visa or Mastercard was designed to process.

Consider, for a moment, that this story was written by an agent, requested by a “chief” agent at CoinDesk tasked with increasing the site’s authority.

To produce it, that agent would have queried a real-time news API to verify Armstrong’s tweet ($0.002), pulled onchain data to search for volume figures ($0.004), cross-referenced press releases ($0.001), and pinged a financial context model for Visa protocol details ($0.003). It would finally generate the article at an additional cost, paying credits to another AI tool to actually write the piece.

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The total cost of reporting is under two cents with six transactions, at the current figures offered by protocols such as x402.

(CoinDesk)

In contrast, Stripe’s minimum processing fee on a single transaction is around $0.30. Running those six payments through a card network would cost more than 100 times the value of the payments themselves.

A human editor reviewing and publishing the piece might then be billed by a sub-agent that handled SEO optimization, another that ran plagiarism checks, and another that formatted for CMS software. Each micropayment is economically absurd on card rails, but trivial onchain.

This is the thesis behind x402, Coinbase’s open payment protocol that embeds stablecoin payments directly into HTTP requests — so an agent can hit a paywall, pay in USDC, and continue its task in the same interaction, no human required. Cloudflare, Circle, AWS, and Stripe are all backing it. Google’s open agent payments standard includes x402 as a settlement layer.

Every industry with high-frequency, low-value data exchange becomes a candidate.

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In healthcare, an agent managing a patient’s insurance claim pays per document retrieved from a medical records API. In logistics, a procurement agent auctions freight slots across dozens of carriers in real time, settling the winning bid instantly. In the media, AI crawlers pay per article indexed rather than negotiating bulk licensing deals. In finance, a trading agent pays a specialist model fractions of a cent per risk signal consumed.

A caveat, however, is that the infrastructure is ahead of the demand.

CoinDesk reported this week that x402 currently processes around $28,000 in daily volume, with Artemis flagging roughly half of observed transactions as artificial activity rather than real commerce. The merchants x402 was built to serve are still rare.

Meanwhile, traditional finance is not standing still. Visa launched its Trusted Agent Protocol last October, and Mastercard completed Europe’s first live AI-agent bank payment inside Santander’s regulated infrastructure last week — both on existing card rails with cryptographic verification layered on top.

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The most likely outcome is a split, where regulated commerce stays on card rails, while machine-to-machine payments — such as agents hiring agents, paying per API call, buying compute on demand — migrate to stablecoins because the economics demand it.

The open question is which bucket ends up bigger.

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Remittix Has Real Utility As Dogecoin & Pepe Traders Snap Up $RTX Tokens As Presale Set To End

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Remittix Has Real Utility As Dogecoin & Pepe Traders Snap Up $RTX Tokens As Presale Set To End

Capital rotation is becoming increasingly visible across the meme coin sector as traders reassess where the next major opportunities may emerge. Dogecoin remains far below its 2021 peak, still trading near the $0.09 level after losing more than 75% of its all-time high value. Pepe is facing similar pressure, with recent market activity highlighting that PEPE continues to trade deep below its previous highs as sentiment across meme tokens cools.

As volatility continues to shake confidence in purely momentum-driven assets, many investors are beginning to look toward projects built around real-world utility. One project drawing increasing attention is Remittix, whose RTX token is currently in the final stage of its presale. With a live PayFi platform targeting the $50 billion global remittance fee market and only $6 million remaining in the current allocation, the shift in investor focus is becoming more noticeable. Here’s how Dogecoin, Pepe, and Remittix currently compare as the market narrative begins to evolve.

Dogecoin: Bearish Structure Despite Whale Accumulation

The Dogecoin price opened 2026 around $0.118 and has since fallen to about $0.095 in an extended downtrend that began after DOGE failed to get back above $0.25 in early 2025. Technical indicators are still bearish. 19 of 28 signals are flashing red and the Fear and Greed Index for Dogecoin price movement is at 18.

There are counterpoints. Whales purchased 1.7 billion DOGE worth $285 million in early March, and analyst Javon Marks has identified a bullish reversal on the monthly chart with targets as high as $1.25. The beta launch of X Money on Elon Musk’s platform also briefly lifted the Dogecoin price. But sustained momentum has not followed.

Dogecoin price predictions range from $0.10 to $0.19 and these are conservative scenarios offering limited upside for traders accustomed to parabolic rallies. That tepid outlook is one reason former DOGE holders now buy RTX tokens instead.

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Pepe News: Liquidity Drains as the Meme Fades

The news about Pepe just now proves what many dreaded. PEPE is trading at approximately $0.0000033 which is lower as compared to its highest point of $0.0000280. The market cap has been shrinking to $1.4 billion and 22 out of 30 technical indicators are bearish. Liquidity has been meager with reserved spirit extending to Q4 2025.

Optimistic Pepe news entails long term projections. Changelly is projecting a recovery to $0.0000098 by December 2026 should the conditions improve. CoinPedia expects to get between $0.0000037 and $0.0000073 this year.

But without utility or a revenue model, PEPE remains dependent on social media cycles. That fragility is why Pepe news headlines mention capital rotation into utility tokens and why traders are instead buying RTX tokens as a hedge against meme fatigue.

Remittix: The Utility Play Drawing Meme Coin Profits

While meme-coin speculation continues to dominate social feeds, a growing number of traders are quietly reallocating profits into projects with clearer utility. That shift has become particularly visible among Dogecoin and Pepe holders, many of whom are now accumulating Remittix  as the project’s presale moves toward its closing phase.

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The interest is not purely speculative. Remittix is positioning itself within the rapidly emerging PayFi sector, focusing on infrastructure that allows cryptocurrencies to interact more seamlessly with traditional financial systems. Instead of relying on hype cycles, the platform is designed to enable direct crypto-to-fiat settlement, a function that addresses one of the most persistent frictions in digital asset adoption.

Five Core Remittix features explain why:

  •  Crypto-to-Fiat Bridge Across 30+ Currencies. Users send payments in over 100 cryptocurrencies and recipients receive local bank deposits with same-day processing.
  •  CertiK Grade A Security. Remittix ranks number one among pre-launch tokens on CertiK Skynet with full team verification.
  • Zero Foreign-Exchange Fees. A flat-rate model eliminates the hidden charges that traditional remittance providers depend on.
  • Staking Yields Up to 18% APY. No buy or sell tax on RTX, zero vesting for presale buyers, and tiered staking from 4% to 18%.
  • Confirmed Exchange Listings. BitMart and LBank are locked in, with a third major listing expected at the $30 million milestone.

For traders watching the Dogecoin price stagnate and reading Pepe news about contracting liquidity, the chance to buy RTX tokens represents a fundamentally different proposition.

Remittix Opportunity: Where DOGE and PEPE Stand Today

Analysts have expressed optimism that Dogecoin price may recover if whale accumulation translates into buying pressure, and positive Pepe news could surface if meme sentiment cycles back. But neither asset offers the structural utility that investors increasingly demand.

Investors currently buying RTX tokens are betting on a different thesis: that a working payments platform with audited security and confirmed listings will outperform speculation over the medium term. With the presale in its final stage, a limited-time 15% affiliate bonus paid in USDT and claimable every 24 hours, gives participants an additional reason to act before the window closes.

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Discover the future of PayFi with Remittix by checking out their project here:

Website: https://remittix.io/

Socials: https://linktr.ee/remittix


Disclaimer: This is a Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.

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Analysts weigh in on Bitwise CIO Matt Hougan’s $1 million bitcoin call

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Analysts weigh in on Bitwise CIO Matt Hougan’s $1 million bitcoin call

Bitcoin could eventually reach $1 million per coin if it captures a larger share of the global store-of-value market currently dominated by gold and government bonds, according to Bitwise Asset Management CIO Matt Hougan.

In a report earlier this week, Hougan said bitcoin’s long-term upside depends less on short-term market cycles and more on how much of the world’s wealth preservation market the cryptocurrency absorbs over time.

“One million sounds crazy,” said Hougan. “It implies bitcoin will rise 14x from today’s price.”

He pointed to several factors supporting that forecast, among them the rapid growth of the global store-of-value market, including gold, government bonds and other defensive assets, which has expanded from roughly $2.5 trillion in 2004 to nearly $40 trillion today. Bitcoin currently represents only about 4% of that market by value.

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If the largest cryptocurrency were to capture roughly half of that market under current conditions, its price could approach that $1 million mark within roughly a decade, Hougan said. If the broader store-of-value market continues expanding, bitcoin would require a smaller share to reach that level.

The $1 million price fixation

The $1 million forecast has become a recurring theme across the crypto industry. President Donald Trump’s son Eric recently doubled down on his $1 million BTC call. In August, Coinbase CEO Brian Armstrong said bitcoin could reach that price by 2030.

Jack Dorsey, who ran X (formerly Twitter) until 2021 and co-founded payments firm Block (formerly Square), said bitcoin could reach $1 million in five years. Arthur Hayes, former BitMEX CEO, believes it could come as soon as 2028. Cathie Wood’s Ark Invest projected that bitcoin could reach $3.8 million by the end of the decade. Bernstein in 2024 forecast $1 million by 2033.

So why has the $1 million target become such a widely cited benchmark for bitcoin? CoinDesk asked several market analysts.

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“It’s a clean headline and shorthand for the idea that Bitcoin could rival gold as a store of value. The exact number matters less than the share of global wealth Bitcoin captures,” said Mati Greenspan, market analyst and Quantum Economics founder.

For Jason Fernandes, also a market analyst and an AdLunam co-founder, the milestone is more psychological than a precise valuation target, reflecting the belief that bitcoin could ultimately win the store-of-value debate.

However, he also believes part of the narrative is driven by marketing dynamics. “Some of the narrative is promotional because round numbers travel well and align with holder incentives,” Fernandes said, though he added that the underlying thesis is not purely hype.

“I think many investors make a ‘static denominator’ mistake, valuing bitcoin against today’s store-of-value market instead of a much larger future one,” he said.

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For Fernandes, the real question is not whether $1 million bitcoin is theoretically possible, but whether institutional adoption compounds long enough to justify that price.

Analysts agree on direction, but not the timeline

Some of the analysts who shared their comments with CoinDesk said Hougan’s projection is plausible over the long term, though most frame it as a decade-scale adoption story rather than a near-term forecast.

“Geopolitical tension strengthens the Bitcoin thesis,” said Greenspan. “In uncertain times, investors look for neutral stores of value, and Bitcoin increasingly sits in that bucket alongside gold.”

Greenspan said the milestone is possible but would likely take a decade or more, requiring continued institutional adoption and broader regulatory clarity.

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Fernandes said Hougan’s argument is essentially a market-share thesis. Bitcoin does not need to replace gold outright, he said; it only needs to capture a portion of a growing global store-of-value market.

“A $1 million bitcoin assumes long-term adoption and market-share gains within the global store-of-value market,” Fernandes said. “It’s a thesis about bitcoin’s end state if it matures into a major global monetary asset.”

Institutional adoption remains the key driver

Hougan has argued that bitcoin’s fixed supply of 21 million coins and its decentralized network give it characteristics similar to those of traditional stores of value, such as gold.

Fernandes said the long-term $1 million thesis depends largely on continued institutional adoption and growth in the global store-of-value market.

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“BTC doesn’t need to replace gold or fiat; it only needs to capture about 17% of a projected $121 trillion store-of-value market over the next decade to justify a $1 million price,” Fernandes said.

Greenspan said geopolitical uncertainty could further strengthen bitcoin’s appeal as a neutral asset.

“In uncertain times, investors look for neutral stores of value, and bitcoin increasingly sits in that bucket alongside gold,” he said, though he added that reaching such a valuation would likely take years of sustained adoption.

Nima Beni, founder of Bitlease, said the timeline could accelerate if confidence in traditional financial assets weakens.

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“Bitcoin reaches $1 million when confidence in traditional ‘safe’ assets breaks,” he said, pointing to potential sovereign debt crises or disruptions in the gold market as possible catalysts.

Despite the bullish projections, analysts said bitcoin’s path toward such valuations would depend more on long-term adoption and macroeconomic conditions than on short-term market cycles.

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Draft $5M Deal Linked to Milei’s Libra Promotion Found on Lobbyist’s Phone

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Draft $5M Deal Linked to Milei’s Libra Promotion Found on Lobbyist’s Phone

New forensic findings from the phone of crypto lobbyist Mauricio Novelli have revealed a draft document suggesting a possible $5 million agreement connected to Argentine President Javier Milei’s promotion of the Libra token, according to local media reports.

The document, recovered from Novelli’s iPhone during a judicial investigation into the Libra crypto scandal, outlines a three-part payment structure totaling $5 million. Screenshots of the note surfaced after expert materials held by prosecutor Eduardo Taiano since November were made public, Argentine outlet El Destape reported.

The draft note was reportedly written in English on Feb. 11, 2025, just three days before Milei posted about the Libra token on X. “Hello friends, this is the final agreement discussed with H,” the text begins, which is believed to refer to crypto entrepreneur Hayden Davis.

The document then details the payment structure. “$1.5M of liquid tokens or cash as an advance. $1.5M in liquid tokens or cash = Milei announces on Twitter that his advisor is Hayden Davis/Kelsier/the Davis family. $2M in tokens or cash = contract signed in person with Milei for blockchain/AI consulting for the Argentine government and/or Javier Milei and review with Javier and Karina,” the text reads.

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An excerpt of the draft document. Source: El Destape

Notably, the draft note does not specify who would receive the funds.

Related: Argentina turns up the heat in Libra scandal with sweeping asset freeze

Another note outlines crisis message after scandal

Investigators also recovered a separate note drafted on Feb. 16, 2025, two days after the Libra controversy erupted online. The message appears to outline a public statement intended to calm the situation.

“This is what I want for the tweet. This is the only thing that saves him, me, and us,” the note’s translation from Spanish reads. The draft message then states support for the Libra project while denying any financial involvement and attributing accusations of wrongdoing to political opponents.

Authorities believe the message may have been prepared for Milei to post on social media or reference in an interview, according to local media reports.

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Novelli was in Dallas during the token’s launch. Call records show he communicated with Milei and his sister Karina shortly before and after the president’s social media post about the token. As the controversy spread online, Novelli also held multiple calls with presidential adviser Santiago Caputo while the government managed the crisis.

Related: Argentine exchange Ripio bets on peso stablecoins amid cautious 2026 outlook

Libra hit $4 billion after Milei post before crashing

In February last year, Milei posted on X about the Libra (LIBRA) memecoin, which briefly reached a $4 billion market capitalization before plunging 94% within hours.