**[Analysis: AI Trading Agents May End High-Frequency Trading Models, Bringing Fair Incentives to Retail Investors]** According to CoinDesk, the introduction of AI trading agents into financial markets is poised to address structural issues faced by retail investors. The current business model of exchanges and brokers relies on frequent trading by clients, profiting through commissions, spreads, and order flow regardless of client gains or losses. Research shows that 74% to 89% of retail traders ultimately incur losses, while the "zero-commission" trading model conceals a Payment for Order Flow (PFOF) mechanism that disconnects platform profits from client outcomes. Independent, programmable AI trading agents have the potential to resolve this structural conflict: by linking agent earnings to the performance of client portfolios, they encourage disciplined trading rather than trading frequency. These agents can reduce positions, avoid impulsive actions, and protect client assets in highly volatile markets, achieving true alignment of interests.