The co -founder of the artificial intelligence matrix says smart stablecoins can manage payments independently

The scene does not show the digital currency any signs of slowdown. Thousands of new metal currency projects are launched annually, but about 90 % failed to make the lower and fall the mystery hole. One of the top players like Vitalik Buterin to the quieter creators, it is the continuous minds that continue to re -imagine how the value moves – whether through code or artificial intelligence.

Ian Estrada, co -founder and CEO of Matrix AI and X, among these leaders with an front thinking of the digital currency economy. Previously part of GCash and Global Telecom, Estrada has extensive experience in effective innovation. From Defi, payments and technology, the Blockchain technology has passed the sabotage side and made a name for itself.

The emergence of artificial intelligence of the digital economy has accelerated, and all discussions related to the future are accelerated without mentioning this force in the field of technology. According to Estrada, the future of the value store will be determined by humans and artificial intelligence agents, which is a large part of the decision -making process now.

He worked on both sides of this gap and recently sat to share his bits in relation to the future. The ground possibilities of the future are explored by the innovative business leader in this interaction.

ADE: You have built GCHSH – What is the only thing that taught you traditional financing that the encryption is still not discovered?

Ian Estrada: The most important lesson of traditional financing is the importance of user experience and smooth integration. Traditional systems such as GCash gives priority to simplicity and confidence, which allows group adoption. Checks, on the other hand, is still struggling through commitment, compliance and intuitive interfaces. Until the infrastructure coding space that does not contain friction and safe such as traditional financing, the prevailing adoption will continue to be a challenge.

For example, one of the things that led to growth in one of my early products, Instaloan, has seen 40,000 loans in one hour of its soft launch because we created a simple model of 3 pages, while making sure we included the fields that were a great indication of credit merit.

In Crypto, if we take an example of the movement, the process tends to intimidate and confusing without someone directly guiding you. Since users tend to be more dependent on central products, exposure to decentralized concepts (such as seed phrases, special switches, dealing with and approved transactions) is overwhelming.

There are many other parts of the user experience that can be improved – RPC composition, arithmetic management, verification of symbolic contracts and add to your wallet, and many more. Again, the encryption is uncovered, so we cannot completely simplify the experiment, but UX should be improved a little so that public users are more comfortable to participate in the encryption.

ADE: Amnesty International explodes, but Divi does not keep pace. What is the biggest incompatibility between these worlds now?

Ian Estrada: Defi is built for human actors, not independent artificial intelligence factors. Defi needs to develop to serve the basic needs not only for artificial intelligence technology but also its economic ecosystems. You will need to be new models and mechanics needed by the artificial intelligence sector, which are not owned by the current Defi Protocols.

Some major components:

• The lack of a distinctive symbol for Amnesty International – most symbols of the artificial intelligence agent that has been launched at the present time has no actual symbolic benefit. They are basically Memecoins.
• The instability of the distinctive symbol – because there is a decrease in a symbolic benefit, tends to be unstable.
• Integration into AI Agent Work frameworks – you will also need to update smart protocol contracts to enable artificial intelligence factors (whose challenges are such as safety guarantee).

My personal opinion is that the previous generation of Defi projects has not yet adopted Amnesty International, so it will take time for the current Defi Protocols to catch up with.

ADE: I have said that Stablecoin Tech may range from 4 to 5 years of takeoff. What hinders – technology, markets or anything else?

Ian Estrada: It is simple – there should be more stablecoins rotate across more wallets. If you look at how Fintech products grow in the past, and mobile wallets as an example, they need to get a sufficient number of users and merchants who have Fiat in their wallets. I think it is the same – the more users (individuals and founders), will follow technology.

ADE: I have pushed OTC offices to get Stablecoins in the hands of people. Why is this missing piece, and who falls the ball?

Ian Estrada: I see OTC offices as distribution channels. Concerning my previous points, it is an important channel for more users to get Stablecoin. The higher the number of OTC offices, the higher the stablecoins, and the more adoption.

However, there is not much focus on creating more OTC offices worldwide, unlike buying them from large institutions. I think the challenge here is the organization (the organizers may choose to create high requirements to create a legitimate confrontation) and the absence of entrepreneurs who have experience and encryption alike to create it.

ADE: The new New York bill during the Trump era aims to criminalize coding, such as rug. How do you see this formation of Stablecoin?

Ian Estrada: Organizational work is inevitable and I support criminalization of carpets. However, the big question is politics – how is the rug carpet defined in exchange for correction of the natural market in an industry where a negative 50-90 % is the base? Since most of the rug pulling operations occur in the chain, how will they acquire the bad actor who is implementing it?

From Stablecoin, I don’t think they will be affected a lot. Usdt and USDC are closely monitored by American organizers. It is also the digital assets delivered by the US dollar in trading, with the dominance of 88.5 %, so I think it will be a secondary defense line. The basic defense line will be to ensure that the application of the law works effectively with the central exchanges if the bad actors choose to use it on the stolen money outside the slope.

ADE: Crypto’s a Wild Ride – How do you design stable systems when the price of the distinctive symbol does not fall?

Ian Estrada: In essence, stability comes from pressure and pressure sale. The market always contains up and down – the key is how to create incentives to increase the pressure and purchase mechanisms to reduce the pressure pressure. AI -backed stablecoins is one solution for this. By locking the symbols to the Mint Stablecoins, it offers a layer of stability to Crypto AI.

This principle is not new; We have multiple examples of mechanics that raise the original assets to the derivative assets that end the sales pressure department-guaranteed debt sites (which were popular with Makerdao), and the symbols that were voted (fame through curve financing), liquid representation (wicked lido). Instead of using or trading the original origin, the user instead is used in the first place for the trading or conducting of Defi transactions, which makes the derived assets effectively volatile instead of the original original origin.

ADE: Imagine Amnesty International’s agent pays for an account or services – what is the only financial instrument he needs?

Ian Estrada: Smart Stablecoin is independently managed by payments, access to liquidity pools, and dealing with cross settlements, one. Amnesty International’s infrastructure projects usually require their original distinctive symbol as a form of payment, which displays all participants (demand and supply) to volatility. Smart Stablecoin removes exposure to fluctuations because it automatically settles to ensure the preservation of PEG, which is important for financial sustainability.

ADE: By 2030, what is the most crazy way you think AI and Stablecoins can rewrite how value trading – human or machine?

Ian Estrada: I imagine a world where no user needs to touch their Stablecoins. They can inform their agent by buying a pizza, booking a taxi, or paying someone. I think this is really cool.

My vision is simple, but for us to reach this point, there are a lot of things to do. I imagine that the payment companies need to be integrated into agents and need to support encryption assets and fillets; Both different applications will need to be combined with encryption portfolios; Amnesty International’s agents must also interact with various services. These are just some initial ideas, but they make me excited.