Coinvestasi Exclusive: Circle CEO Jeremy Allaire on Why AI Will Power the Future of Stablecoin
Stablecoins may soon evolve beyond human transactions, as artificial intelligence (AI) is expected to become their primary user. Circle CEO Jeremy Allaire revealed that billions of AI agents will require programmable, real-time payment infrastructure, something traditional financial systems are not built to support.
In an exclusive interview with Coinvestasi, Indonesia Crypto Network (ICN)’s media arm, on April 11, 2026, where it was the only invited media outlet, Allaire shared his perspective on how this shift could reshape the global financial system.
“Going forward, there will be billions of AI agents that require payment infrastructure like stablecoins,” Allaire said.
If this shift materializes, stablecoins will no longer be limited to peer-to-peer payments between individuals. Instead, they could become the foundational infrastructure for a machine-driven economy powered by AI.
Current financial systems are not designed for this scale or behavior. AI agents can execute transactions at high frequency, in massive volumes, and often at extremely small values. Traditional banking rails struggle to support this due to high fees, slow settlement times, and limited scalability.
This is where stablecoins begin to show a clear advantage.
Read more: Coinvestasi Honors 13 Most Impactful Figures Driving Indonesia’s Crypto and Web3 Industry in 2025
Nano Payments as the Next Layer of Financial Infrastructure
To address this emerging demand, Circle is developing the concept of nano payments, transactions with extremely small values, even fractions of a cent.
This model allows AI agents to transact autonomously in real time, unlocking entirely new economic activity that would not be feasible using conventional financial systems.
In this context, stablecoins are evolving from a crypto use case into a core financial layer for AI-native applications.
Read more: Indonesia’s Role in Global DeFi & Stablecoin Adoption Trends in 2025
Stablecoins Enter Mainstream Global Adoption Phase
Beyond AI-driven use cases, Allaire emphasized that the stablecoin industry has entered what he describes as the “mainstream scaling phase.”
This marks a transition from early experimentation to broader global adoption, supported by improving regulatory clarity and more mature infrastructure.
“By 2030, there will be trillions of dollars circulating in stablecoins,” Allaire said.
The statement highlights a growing consensus among global financial players that stablecoins are becoming a key component of the future financial system.
Circle’s long-term vision is to build a financial network that operates natively on the internet, enabling faster, more open, and more efficient economic activity across borders.
“The speed of economic activity can increase, and from that, we can drive global economic growth,” he added.
Read more: Bank Indonesia Plans to Release Stablecoin Backed by Government Bonds
Stablecoins Are Not Limited to the US Dollar
While most stablecoins today are denominated in US dollars, Allaire clarified that the underlying technology can be applied to any currency.
“The benefits of programmable money and technical efficiency apply to any currency,” he said.
This opens the possibility for local currency stablecoins in emerging markets, including Southeast Asia.
During the discussion, Allaire also pointed to the potential integration with domestic payment infrastructure such as QRIS in Indonesia, which could accelerate adoption at the retail level.
However, rather than directly launching a rupiah-based stablecoin, Circle is more likely to explore partnerships with local players.
Read more: Why Global Institutions Are Paying Attention to Indonesia’s Crypto Market
“WhatsApp Moment” for Stablecoins
Looking ahead, Allaire believes stablecoins are approaching a tipping point in adoption—what he refers to as a “WhatsApp moment.”
At this stage, the technology becomes seamless and operates in the background, enabling hundreds of millions of users to interact with it without needing to understand the underlying mechanics.
“This technology will become so simple and embedded that hundreds of millions of people will use it without even thinking about it,” he said.
If this phase is reached, stablecoins may no longer be perceived as part of the crypto industry, but rather as a fundamental layer of everyday financial infrastructure.
Stablecoins are moving beyond payments and becoming core infrastructure for an AI-driven economy.
For global players, this changes how markets like Indonesia should be approached. Success now depends not just on demand, but on understanding local systems, regulation, and how new technologies integrate in practice.
This is where many projects miscalculate.
Indonesia Crypto Network (ICN), through its media arm Coinvestasi, bridges that gap, connecting global players with local insights, stakeholders, and real market context.
If you are planning to enter or expand in Indonesia, guessing is expensive. Start with clarity.
📌 Start a free strategy session with ICN and explore how to approach the market the right way.
Read more: Indonesia Expands Crypto and Blockchain Education with Crypto Literacy Month (BLK) 2026
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