Author: Dylan Dewdney, Co-founder and CEO of Kuvi.ai
Nowadays, everyone and their grandmother is talking about AI, half the time it seems to be that vague, overhyped slogan "it will change everything," and the other half is about ChatGPT replacing your therapist.
Very few people are discussing how AI can help solve the boring, frustrating daily chaos of personal finance. This is not about dashboards, robo-advisors, or the latest DeFi applications with shiny user experiences. This is something more radical—agentic finance.
The phrase may sound a bit academic, but it’s simple. You no longer need to click buttons and switch tabs; instead, you give the AI agent a goal, such as "ensure solvency this month" or "optimize stablecoin yield without wrecking gas fees." Then the agent handles the fragmented chaos of accounts, exchanges, wallets, swaps, cross-chain bridges, etc.—whatever is needed.
This is not about replacing you, but about coordinating your choices. People pour their anxieties into large language models, yet they still can’t trust AI to handle Uniswap trades, which is absurd.
DeFi still feels like a mix of 2010’s web forums and bank back offices. You jump between Coinbase, Binance, MetaMask, maybe you have a Solana wallet on your phone, plus some Discord channels where people argue about the "best" yield farms. Every screen looks different, and every transaction has hidden frictions. Gas fees spike, cross-chain bridges collapse, and authorizations vanish into the ether.
This is why so many people still leave funds on centralized exchanges even after the FTX incident. The user experience of self-sovereign finance is still terrible. This is precisely why agentic finance is important.
Consider telling the AI agent: "Allocate 20% of my ETH to low-risk yield strategies, but transfer it if USDT even slightly unpegs." You don’t want to read 30 blog posts or remember which pool uses Curve or Balancer. You just want it done. The agent works for you. It explains, executes, and adapts.
This is the frustrating part. If the world is so excited about AI agents, why are fintech and crypto practitioners still stuck in dashboards? We keep getting new "personal finance super apps," but they are just shinier spreadsheets: no coordination, no autonomy, no real intelligence.
People are really confiding their deepest secrets to ChatGPT. They see it as therapy, companionship. But asking it to transfer $1,000 from USDC to stETH while balancing carbon footprints and keeping slippage below 1%? Suddenly, the entire industry acts as if this is an insurmountable chasm.
It’s not; it’s fear. Regulators may panic, and platforms don’t want to lose control over users. To be fair, the risk of malicious actors building dubious agents is real. But avoiding the future won’t stop it.
Think about the market impact. If agentic finance takes off, the stickiness of single platforms like Coinbase or Robinhood will evaporate. Loyalty will shift to those who build the best coordinators, not to those who own exchanges. Imagine your agent balancing positions across five CEXs and ten DeFi protocols—no more vendor lock-in.
If you are a centralized exchange, this is terrifying, but it’s also an opportunity. The first to solve this problem will redefine the financial landscape. Not wallets, not brokers, not apps. Agents become the gateway.
Users will be eager to let this happen because no one likes waking up at 2 AM to approve transactions before the pool dries up. No one likes explaining to their spouse that funds are "stuck" in a cross-chain bridge for 48 hours. People want results, not interfaces.
It’s time to admit that dashboards are not the future. Play-to-earn has its hype cycle, meme coins have their run, and now "AI integration" is this month’s buzzword. The breakthrough lies in letting agents handle the heavy lifting of finance, especially in crypto finance.
Opposition will arise.
Some will say it’s dangerous to let AI touch your funds. Some will argue that regulators will never allow it. Some will contend that people "should" want to learn the details themselves. These same arguments have been made in the face of online banking, automatic bill payments, and algorithmic trading.
Agentic finance is not about making humans obsolete. It’s about giving us the space to focus on strategy rather than clicking through broken UI processes. It’s about making finance feel more like a Spotify playlist and less like debugging Excel.
Companies that understand this will win. Companies that cling to dashboards will stubbornly believe that people enjoy the pain. But wait and see—once someone releases the first trustworthy financial agent, no one will look back.
Author: Dylan Dewdney, Co-founder and CEO of Kuvi.ai.
Related: AI agents want to manage your crypto wallet—but is it safe?
This article is for general informational purposes only and is not intended to be, nor should it be construed as, legal or investment advice. The views, thoughts, and opinions expressed here are solely those of the author and do not necessarily reflect or represent the views and opinions of Cointelegraph.
Original article: “Don’t overlook agentic finance: AI agents will end the fragmented chaos of crypto asset management”
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