EXIO Research Institute | June 24, 2026
On June 20, 2026, WeChat unveiled an AI secret card to some users— the native AI assistant “Xiao Wei” began gradual rollout. Users who qualify for the internal test will find a green eye-shaped robot icon in the upper left corner of WeChat’s main interface. Clicking it will lead to a chat interface marked “test version,” supporting both text and voice interaction methods [1].
You might think this is just another chatbot. However, if we broaden our perspective, the significance of this event is far greater than it seems on the surface— it might be the most critical piece in the grand narrative of the internet moving from "universal internet access" to "all assets on-chain."
1. The Four Levels of “Xiao Wei”: More than Just Chatting, It’s “What You Say Is What You Get”
The WeChat team has a restrained positioning of Xiao Wei: “Users can converse with Xiao Wei via text or voice, utilizing AI technology to better use WeChat and communicate with friends, and can also invoke mini-programs to provide better services.” [2] However, the capability system feedback from the gray test users reveals a clear ambition.
From the perspective of underlying technology, Xiao Wei uses WeLM (the Chinese large language model independently developed by the WeChat team) as the main model, calling on DeepSeek to back up in complex reasoning scenarios, while also testing third-party models from Zhipu and Alibaba to maintain technological flexibility [3]. This pragmatic approach of “mixed use models” itself indicates that WeChat is not after flashy technology but rather aims to make AI truly functional.
In terms of practical experience, Xiao Wei demonstrates four progressive levels [4]. The first level is “What You Say Is What You Get” native control— you can say “send a message to Lao Zhang saying the meeting is changed to three o’clock tomorrow,” and Xiao Wei can accurately identify the social connection chain and complete the operation. The second level is ecological invocation, automatically invoking mini-programs to complete processes such as registration, shopping, and hailing cars for daily services. The third level is content understanding, send it a PDF, and it generates a structured summary within seconds. The fourth level is particularly impressive— generating mini-tools using natural language, “help me create a running attendance mini-program,” and a prototype can be produced in seconds.
This is already more than just a “smarter Siri.” It is the world’s largest super app, embedding the AI Agent into the daily communication, payment, social, and work scenarios of ordinary people for the first time.
2. The AI Agent’s “D-Day”: From Geek Toy to Utilities
Why is the gradual launch of “Xiao Wei” a landmark event? Because, prior to this, the AI Agent was still a concept limited to news for most Chinese people— ChatGPT required a VPN to access, Manus required an invitation code, and various domestic Agents mostly remained in the demonstration phase. However, WeChat has done something: it has lowered the threshold for AI Agents to zero.
1.4 billion active users do not need to download a new app, do not need to register a new account, and do not need to learn a new interface. They only need to open WeChat as usual and say something to a “green little eye” to experience the magic of “one sentence generating mini-programs” [5]. This kind of “seamless access” reminds us of how the 2008 App Store made it easy for everyone to download applications, or how WeChat mini-programs made “easily accessible” service revolutions possible in 2017.
From a broader perspective, the global AI Agent market is on the brink of explosion. According to Precedence Research, the global AI Agent market size is expected to be approximately $7.92 billion by 2025 and is projected to soar to $294.66 billion by 2035, with a compound annual growth rate reaching 43.57% [6]. In the segmentation of roles, “productivity and personal assistant” Agents lead all categories with a 29.50% CAGR. And WeChat’s Xiao Wei has precisely opened up the toughest nut to crack in this high-growth track—the consumer market.
3. From “Users Find Functions” to “Functions Find Users”: A Silent Productivity Revolution
Let’s imagine a day in the life after “Xiao Wei” matures.
In the morning, you tell your phone, “Xiao Wei, see if there are any important messages today, then help me order a cup of Americano to the office.” It will not only summarize the overnight unread WeChat messages but also open the Starbucks mini-program to complete the order. By the time you reach the office, you throw a 30-page research report PDF at it, and three minutes later you receive a structured summary with highlights. During your lunch break, you suddenly think, “I want to take my parents to Yunnan next month, budget ten thousand, help me plan,” and Xiao Wei will generate a travel plan, hotel price comparisons, and even set up a “family trip” group and send the itinerary in a few minutes. In the afternoon meeting, you ask it to “create a running attendance mini-program, run three times a week, three kilometers each time,” and it truly generates a usable mini-program prototype in seconds [7].
In this scenario, you no longer need to remember which function is in which menu of which app. You speak, things get done. This is not just a simple “voice assistant upgrade,” but a fundamental shift in the interaction paradigm— from GUI (Graphical User Interface) to LUI (Language User Interface), from “users find functions” to “functions find users.”
A research report by Tianfeng Securities proposed a core formula: AITAM = Total Salary × Replacement Rate × AI Efficiency Optimization [8]. They calculated that the total target market for AI Agents in China alone is as high as 36.1 trillion yuan. As AI Agents evolve from “white-collar assistants” to “universal butlers” beside everyone, they replace not only repetitive tasks but also the friction costs associated with interactions between people and the digital world.
4. From “Universal Internet Access” to “All Assets on Chain”: An Invisible Dark Line
The development history of the internet in China can be summarized in three keywords: connectivity, service, and assetization.
Since gaining full access to the international internet in 1994, the number of internet users in China has surpassed 1.1 billion, with a penetration rate exceeding 78%. The goal of “universal internet access” has essentially been achieved over thirty years. On the foundation of connectivity, WeChat has achieved “service online” through mini-programs and public accounts— e-government, healthcare, finance, education, nearly all life services have moved online. And today, we are standing on the threshold of the third phase: asset on-chain.
When people hear the term “all assets on-chain,” many first think of RWA (Real World Assets tokenization)— transferring traditional assets like real estate, bonds, and gold onto the blockchain. This understanding is not incorrect, but it is too narrow. The truly broad understanding of “all assets on-chain” should encompass everything that can be quantified, circulated, and secured:
Your social influence is an asset. The social circles, private traffic, and social connection relations accumulated in WeChat over ten years were merely “data” in the past, but in the future may be tokenized through SocialFi mechanisms, becoming the basis for your earning potential [9].
Your attention is an asset. When you are “scrolling videos” on short video platforms, the platform makes money by selling your attention to advertisers through algorithms. In the logic of Web3, this attention rightfully belongs to you and can be captured and priced through token mechanisms [10]. Furthermore, your personal credit could also be an asset. For a long time, credit records have been confined within data silos of the central bank’s credit system and internet giants. However, when AI Agents become everyone’s “digital avatars,” the behavior data, performance records, and social reputations they accumulate may form an on-chain personal credit system, becoming your “credit collateral” in the DeFi world.
Does this sound distant? In fact, it is closer than you think. 21Shares predicts in its 2026 cryptocurrency market outlook report that the total locked value of tokenized real-world assets (RWA) will increase from $35 billion in 2025 to over $500 billion by 2026 [11]. Roland Berger is even more optimistic, forecasting that the global tokenized asset market size could reach nearly $11 trillion by 2030 [12]. From real estate to cultural IP, from airline miles to luxury diamonds, every asset is being reimagined.
5. When AI Agents Meet RWA: The Future Paradigm of Wealth Management
Let’s overlap the two trends: on one hand, AI Agents are taking over the entry points for human interaction with the digital world; on the other hand, global assets are rapidly moving onto chains at an unprecedented speed. What happens when these two meet?
Imagine this scenario: your AI Agent knows you have some idle money maturing next month, and it proactively tells you: “Based on your risk preference and recent market conditions, I recommend allocating 30% to tokenized U.S. Treasuries (currently annualized at 4.2%), 20% to gold tokens to hedge against inflation, and keeping 50% in a liquidity pool for anytime access. Do you need me to help you execute this?” You nod, and three seconds later, the allocation is complete— all settled on-chain, all compliant and transparent, all supported by underlying assets.
This is not science fiction. This “AI Agent + RWA” wealth management paradigm is moving from concept to reality. On the B-side, enterprise-grade Agents can already automate high-volume tasks such as invoice verification, SOC alarm diversion, and data entry, reducing human workload by over 60% [13]. On the C-side, AI investment apps like Albert can now offer features like “automatic savings,” “tax planning,” and “financial freedom roadmaps” [14]. When these capabilities combine with on-chain assets, personal wealth management will enter an entirely new dimension—your Agent not only manages your accounts but also helps you find, allocate, and adjust the optimal asset portfolio globally.
6. What’s Next for AI Agents?
As an institution that has long been focused on the integration of Web3 and traditional finance, the EXIO Research Institute believes that the gradual launch of “Xiao Wei” is a signal: AI Agents are moving from the “proof of concept” to the “user education” stage. WeChat has helped the entire industry accomplish the most challenging cold start by using 1.4 billion users—allowing ordinary people to experience AI Agents for the first time with seamless, cost-free, and barrier-free access. Once this step is taken, there will be no turning back.
The speed of asset on-chain is also accelerating. In Hong Kong, EXIO Group is intensifying its efforts in this field— including building a complete service system from RWA token issuance (RWA Issuance) to secondary market liquidity management, and compliance infrastructure (RWA Launchpad) [15] to lay a foundation for the future of all assets on-chain and even automated trading. The underlying logic of these efforts aligns with the vision of “Xiao Wei”—lowering thresholds to allow more people to participate. WeChat lowers the threshold for using AI, while more startups are attempting to reduce the investment threshold for quality assets.
Conclusion: We Are Experiencing More Than Just a Technological Upgrade
In 1994, China gained internet access through a 64K international dedicated line. At that time, few imagined that this thin line would grow into a digital world that 1.4 billion people cannot live without in thirty years. In 2026, that green eye icon in WeChat may represent a similar historical node. It marks the transformation of AI Agents from “geek toys” to “utilities” and hints that the wave of “all assets on-chain” is about to move from niche to mainstream.
From universal internet access, to all services going online, to all assets being on-chain— each step is not just an isolated technological upgrade, but a redefinition of the relationship between humanity and the digital world. And the AI Agent is the golden thread connecting it all.
When 1.4 billion people begin to operate everything by “speaking,” when every command may reach some asset on the chain, when everyone’s attention, credit, and social influence are endowed with financial properties— we are not just welcoming a more convenient WeChat, but potentially a whole new paradigm of wealth.
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