Opinion by: Dylan Dewdney, co-founder and CEO at Kuvi.ai
With the rising buzz around AI, discussions often revolve around the clichéd “it’s going to change everything” or how ChatGPT might replace therapists.
However, few are addressing how AI can tackle the tedious chaos of personal finance. This isn’t about shiny dashboards or flashy DeFi apps — it’s about something transformative: agentic finance.
The term may sound technical, but it’s straightforward. Rather than navigating myriad tabs and buttons, you instruct an AI agent with objectives like “maintain solvency this month” or “maximize stablecoin yield while minimizing gas costs.” The agent takes care of all your accounts, exchanges, and wallets to achieve your goals.
The goal isn’t to replace you; it’s to streamline your decision-making. It’s surprising that people trust AI for personal consultations but hesitate when it comes to executing a simple Uniswap trade.
The crypto chaos nobody acknowledges
DeFi resembles a mashup of 2010 web forums interspersed with traditional banking. You find yourself switching between Coinbase, Binance, and various wallets, along with Discord threads debating the “best” yield farms. Every interface differs, and each transaction hides friction. Gas fees fluctuate, bridges fail, and approvals disappear.
This chaos explains why many leave their funds on centralized exchanges, even post-FTX. The self-sovereign finance user experience remains dismal, underscoring the need for agentic finance.
Imagine instructing an AI agent: “Invest 20% of my ETH in a low-risk yield, but adjust it if USDT de-pegs slightly.” You don’t want to wade through countless blog posts or memorize which pools use Curve or Balancer — you just want it done. The agent comprehensively manages your preferences.
Markets overlook agentic finance
Here’s the frustrating part: if AI agents are all the rage, why are finance tech experts still immersed in dashboards? We keep seeing the launch of “personal finance super apps,” which are essentially souped-up spreadsheets: lacking coordination, autonomy, and genuine intelligence.
Related: How to use ChatGPT Agent for crypto trading in 2025
People confide their deepest fears to ChatGPT, treating it as a confidant. Yet, when it comes to transferring $1,000 from USDC to stETH while considering carbon impact and keeping slippage below 1%, the industry suddenly freezes.
This hesitance stems from fear — regulators may panic, and platforms prefer to retain control. While the risk of malicious actors creating unreliable agents is valid, ignoring the future won’t make it disappear.
Consider the market consequences: if agentic finance gains traction, the stickiness of platforms like Coinbase or Robinhood may fade. Loyalty could shift towards whoever develops the most effective coordinator, rather than exchange owners. Picture your agent optimizing investments across multiple CEXs and DeFi protocols — no more vendor lock-in.
This poses a threat to centralized exchanges, but also presents an opportunity. The first entity to master this will redefine finance infrastructures. Not wallets, not brokers, not apps. The agent will become the key interface.
Users will welcome such advances; no one enjoys waking up at 2 a.m. to validate a transaction as liquidity dwindles. People seek results, not cumbersome interfaces.
End the era of dashboards and develop agents
It’s time to recognize that dashboards are not the future. Play-to-earn has had its moment, memecoins had their surge, and now “AI integrations” are stealing the spotlight. The true innovation lies in allowing agents to manage the complexities of finance, particularly in crypto.
Expect objections.
Some might argue that allowing AI to access finances is perilous. Others will assert that regulators will never endorse it, or that individuals “should” strive to understand the minutiae. These same arguments were once applied to online banking, automated bill paying, and algorithmic trading.
Agentic finance isn’t about rendering humans obsolete. It’s about enabling us to prioritize strategy over navigating cumbersome interfaces. It’s about making finance feel less like a chore and more like enjoying a curated playlist.
The companies that grasp this will prosper, while those clinging to their dashboards will be left behind, believing people enjoy their struggles. But just wait — once the market sees a reliable financial agent, there will be no turning back.
Opinion by: Dylan Dewdney, co-founder and CEO at Kuvi.ai.
This article is for general information purposes and is not intended to be and should not be taken as legal or investment advice. The views, thoughts, and opinions expressed here are the author’s alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.
