$U stablecoin could enable AI agents to pay in crypto, CZ and Brian Armstrong agrees

$U enables autonomous AI agent to pay

Stablecoin $U, issued by United Stables, has been live on BNB Chain since late 2025, now supports agent payments. 

$U, a next-generation stablecoin aiming to solve one of the biggest inefficiencies in on-chain finance, fragmented stablecoin liquidity. It has reportedly become the first stablecoin on BNB Chain to feature native EIP-3009 support for agent payments.

What is EIP-3009 support?

EIP-3009 is a smart upgrade for tokens on Ethereum-compatible blockchains, making transactions simpler, faster, and often cheaper. 

The app may pay the gas fee for you, making it perfect for the AI executions via the x402 protocol, simplifying merchant checkouts, and enabling automated commerce by AI agents.  

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EIP-3009 enables transfers based on signatures, allowing the AI agents to execute transactions with the senders’ direct on-chain transaction to be made based on signature, making it more flexible and efficient within automated systems.

Machine-to-machine economic activity

Billions of transactions are executed by humans on a daily basis. These transactions are based on instincts, market trends, and even from following prediction markets.  If that number multiplies by several orders of magnitude, the need for high-speed and low-cost payment systems will become the need of the hour. 

Changpeng Zhao (CZ), founder of Binance, shared the tweet, stating that this could result in AI agents using crypto and making a million times more than humans. 

Coinbase co-founder Brian Armstrong also expressed his opinion on X, stating that AI agents may not be able to open a traditional bank account but can very soon own a crypto wallet.

Many users responded to the posts, addressing the concern of crypto becoming less of a human market and more of a ‘machine-native’ market

The project’s chief executive officer, Athena Y, said $U is “designed to become the united value layer for a world where humans and AI operate side-by-side as economic participants.”

The risk of the future

The recent case of AI agent ROME hijacking its GPU capacity and redirecting it to cryptocurrency mining to generate profits without authorization is an example of the risks involved in autonomous AI agents that run the commands on their own. 

EIP-3009 relies on off-chain signed authorizations. Therefore, in case of a signature being intercepted, leaked, or reused improperly, an attacker could attempt to make transactions like signature phishing. 

Bottom Line

Despite the challenges in the system, two of the most prominent CEOs in crypto made similar claims about crypto being operated by AI agents, suggesting the next wave of crypto users. 

U stablecoin is backed by both fiat reserves and stablecoins, while EIP-3009 provides fast, gasless, signature-based transactions. The integration gives $U a strong position for AI agents to carry out autonomous crypto payments on blockchain.

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