Opinion: Dylan Dewdney, Kuvi.ai Co-Founder and CEO
Everyone and their grandmothers are talking about AI these days, and it seems like half of it is some vague, hyperbolic mantra of “AI will change everything,” and the other half is about ChatGPT replacing therapists.
Few people are talking about how AI can help with the boring and frustrating daily personal finance mess. This doesn’t mean the latest DeFi app with a dashboard, robo-advisor, or shiny UX. It’s something even more radical: agent finance.
This phrase may sound a bit academic, but it’s simple. Instead of clicking buttons and navigating through tabs, give your AI agent a goal like “Make sure you’re solvent this month” or “Optimize stablecoin yield without significantly lowering gas prices.” The agent then handles whatever fragmented mess of accounts, exchanges, wallets, swaps, and bridges you need.
It’s not about replacing you, it’s about adjusting your choices. The fact that people are talking to large language models about their anxiety and still can’t trust the AI that processes Uniswap transactions is absurd.
Cryptocurrency confusion that no one is admitting out loud
DeFi still feels like a cross between a 2010 web forum and a bank’s back office. I bounce back and forth between Coinbase, Binance, MetaMask, probably a Solana wallet on my phone, and Discord threads discussing the “best” yield farms. Every screen looks different and every transaction has hidden friction. Gas prices go up, bridges break down, and approvals disappear into thin air.
There is a reason why so many people leave their funds on centralized exchanges even after everything goes wrong with FTX. The UX of self-sovereign finance is still terrible. That’s exactly why agent financing is important.
Consider telling your AI agent: “Allocate 20% of my ETH to low-risk yield strategies, but change if USDT unpegs at all.” No need to read 30 blog posts or remember which pools use curves and balancers. You just want to get it done. Agents work for you. Interpret, execute, and adapt.
The market is lagging behind agency finance.
This is the frustrating part. Why are fintech and crypto people still glued to their dashboards when the world is all the rage about AI agents? We keep getting new “personal finance super apps” that are just spreadsheets with no coordination, no autonomy, and no real intelligence.
Related: How to use ChatGPT agent for crypto trading in 2025
People are literally spilling their deepest secrets on ChatGPT. They treat it like therapy or like companionship. But ask them to move $1,000 from USDC to stETH while balancing their carbon footprint and keeping slippage below 1%?Suddenly the entire industry is acting as if that’s a bridge too far.
Instead, it’s fear. Regulators may be confused and platforms don’t want to lose control to their users. To be fair, the risk of bad actors building imperfect agents is real. Hiding from the future won’t stop it.
Let’s think for a moment about the impact on the market. Once agency finance takes off, the stickiness of a single platform like Coinbase or Robinhood will disappear. Loyalty goes to whoever builds the best coordinator, not the exchange owner. Imagine an agent balancing positions across 5 CEX and 10 DeFi protocols. No more vendor lock-in.
This is scary for centralized exchanges, but it also presents an opportunity. The first person to discover this can redefine the rails of finance. It is not a wallet, brokerage firm, or app. The agent becomes the gateway.
No one looks forward to waking up at 2 a.m. to approve a transaction before the pool dries, so users are willing to tolerate it. No one enjoys explaining to their spouse that their money has been “stuck on a bridge” for 48 hours. People want results, not interfaces.
sunset dashboard, build agent
It’s time to admit that dashboards are not the future. Play-to-Ear has had its hype cycles, memecoins have had their fads, and now “AI integration” is the flavor of the month. The breakthrough is that it lets agents handle the heavy lifting of finance, especially cryptocurrency finance.
There will also be counterarguments.
Some people may say that it is dangerous to let AI handle money. Some would say regulators would never allow it. Some people will argue that you “should” want to learn the basics on your own. Similar arguments have emerged for online banking, automated bill payments, and algorithmic trading.
Agency finance is not about making humans obsolete. It’s all about giving you space to focus on strategy instead of clicking through broken UI flows. It’s about making finance feel less like Excel debugging and more like a Spotify playlist.
Companies that get this will win. Those who don’t, cling to their dashboards, believing that people enjoy suffering. But wait a minute. Once someone releases their first trusted financial agent, there is no going back.
Opinion: Dylan Dewdney, Co-Founder and CEO of Kuvi.ai.
This article is for general informational purposes only and is not intended to be, and should not be taken as, legal or investment advice. The views, ideas, and opinions expressed herein are those of the author alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.