# Finance Is Entering Its Autonomous Era
**作者**: Nathan McCauley
**日期**: 2026-05-05T16:31:52.000Z
**来源**: [https://x.com/nathanmccauley/status/2051701424031977959](https://x.com/nathanmccauley/status/2051701424031977959)
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We’re entering a moment where software is starting to cross a fundamental threshold.
For the last decade, we’ve thought about AI as something that helps people make decisions. It summarizes, recommends, and drafts content. It’s a tool.
That’s changing.
What we’re seeing now, and what’s coming much faster than most expect, is a shift from software that assists to software that acts. AI systems are starting to execute workflows, negotiate outcomes, and operate on behalf of institutions and enterprises.
And once software starts acting, the next question becomes unavoidable: how does it interact with money?
Today, there isn’t a real answer to that.
Institutions are experimenting with automation across treasury, payments, and procurement, but they’re doing it on top of systems that were never designed for non-human actors. There’s no native concept of identity for an agent. No enforceable policy layer. No regulated way to give software access to capital without introducing operational and financial risk.
So teams are forced into a tradeoff: move slowly and keep humans in the loop, or move faster and accept risk that doesn’t scale.
That’s the gap.
And it’s not theoretical, it’s already showing up in how institutions are trying to operate.
So we at @Anchorage Digital asked a different question: what would it look like to build a financial system that assumes the actor is not human?
Today, we’re introducing our answer: Agentic Banking.
Our Agentic Banking offering is a new category of infrastructure designed to give AI systems governed, compliant access to capital. It provides identity, policy enforcement, and settlement across both crypto and traditional rails, so that agents can operate inside the financial system, not outside of it.
This is not just another product. It’s a recognition that if software is going to become a participant in the economy, the infrastructure underneath it has to evolve.
And critically, this only works if it’s built on regulated financial rails.
You cannot give an AI system direct access to a corporate treasury. You need a controlled gateway, one that enforces identity, permissions, auditability, and compliance at every step, with built-in spending limits, real-time risk monitoring, and immutable audit trails, so institutions maintain full financial control and immediate recourse over every agent-driven transaction.
That’s what our federal charter enables.
As America’s first federally chartered crypto-native bank in the U.S., we’re able to provide something that doesn’t exist anywhere else in the market: a regulated foundation for programmable, agent-driven finance.
That’s what makes this possible.
But building the agentic economy requires more than just financial infrastructure. It requires a clear separation of roles. Technology platforms will power how agents think, reason, and interact with the world. Regulated financial institutions need to securely hold and move the money.
So alongside this launch, I’m excited to share that we’re partnering with @googlecloud.
Google is building the intelligence layer for the agentic economy, developing the protocols and infrastructure that allow agents to discover, negotiate, and coordinate with each other.
And when those agents reach the point of transaction, when real capital is involved, Anchorage Digital becomes the execution layer.
We enforce policy. We establish identity. And we execute settlements across crypto and fiat rails.
Just as importantly, this collaboration extends beyond agentic finance. Anchorage Digital and Google Cloud are also working together to make institutional digital asset infrastructure easier to deploy through the cloud, combining regulated custody, key management, transaction governance, trading, staking, and operational workflows in a unified B2B2C stack.
The goal is to give financial institutions a faster, more secure way to embed stablecoins and digital assets directly into their own products, with infrastructure that is flexible enough to support today’s use cases and future agent-powered workflows.
Together, we’re building the foundation for something new: a system where software doesn’t just generate output, but participates directly in economic activity, safely and at scale.
This is early. Most institutions aren’t fully there yet.
But we’ve seen this pattern before, the most important infrastructure gets built before it’s obvious why it’s needed.
We’re not responding to demand. We’re building for direction.
And we think this is one of the most important shifts happening in financial infrastructure today.
## 相关链接
- [Nathan McCauley](https://x.com/nathanmccauley)
- [@nathanmccauley](https://x.com/nathanmccauley)
- [24K](https://x.com/nathanmccauley/status/2051701424031977959/analytics)
- [@Anchorage](https://x.com/@Anchorage)
- [@googlecloud](https://x.com/@googlecloud)
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- [12:31 AM · May 6, 2026](https://x.com/nathanmccauley/status/2051701424031977959)
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*导出时间: 2026/5/6 12:29:49*
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## 中文翻译
# 金融正在进入自主时代
**作者**: Nathan McCauley
**日期**: 2026-05-05T16:31:52.000Z
**来源**: [https://x.com/nathanmccauley/status/2051701424031977959](https://x.com/nathanmccauley/status/2051701424031977959)
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我们正步入一个关键时刻，软件开始跨越一道根本性的门槛。
在过去十年里，我们一直将人工智能视为辅助人类决策的工具。它负责总结、推荐和起草内容。它只是一种工具。
这种情况正在改变。
我们现在所看到的，以及远超大多数人预期的未来发展，是一种从辅助型软件向行动型软件的转变。人工智能系统开始执行工作流程、协商结果，并代表机构和企业进行运营。
一旦软件开始采取行动，下一个问题就变得无法回避：它如何与金钱互动？
目前，对于这个问题并没有真正的答案。
各机构正在财务、支付和采购领域尝试自动化，但它们是在从未为非人类行为者设计的系统之上进行这些操作的。对于代理而言，不存在原生的身份概念。没有可执行的政策层。也没有一种受监管的方式能让软件在引入运营和财务风险的情况下获得资本访问权。
因此，团队被迫陷入一种权衡：要么缓慢推进并保持人工干预，要么加快速度并接受不可扩展的风险。
这就是缺口。
这不是理论上的假设，它已经体现在各机构的运营方式中。
因此，我们 @Anchorage Digital 提出了另一个问题：如果构建一个假设行动者不是人类的金融体系，它会是什么样子？
今天，我们推出了我们的答案：代理银行。
我们的代理银行服务是一种全新的基础设施类别，旨在为人工智能系统提供受监管、合规的资本访问权限。它涵盖加密货币和传统支付轨道，提供身份认证、政策执行和结算服务，使代理能够在金融体系内部运作，而不是游离于体系之外。
这不仅仅是又一个产品。它认识到，如果软件要成为经济的参与者，其底层的基础设施必须随之演进。
至关重要的是，只有建立在受监管的金融轨道之上，这一切才能实现。
你不能让人工智能系统直接访问企业金库。你需要一个受控的网关，一个在每一步都强制执行身份、权限、可审计性和合规性的网关，并具备内置的支出限制、实时风险监控和不可篡改的审计跟踪，以便机构对每笔由代理驱动的交易保持完全的财务控制和即时追索权。
这就是我们的联邦特许状所赋予的能力。
作为美国首家获得联邦特许的加密原生银行，我们能够提供市场上其他地方不存在的服务：可编程、代理驱动金融的受监管基础。
正是这一点使其成为可能。
但构建代理经济不仅需要金融基础设施，还需要明确的角色分工。技术平台将驱动代理的思考、推理以及与世界的互动。受监管的金融机构则需要安全地持有和转移资金。
因此，随着此次发布，我很高兴地宣布，我们正在与 @googlecloud 建立合作伙伴关系。
Google 正在为代理经济构建智能层，开发允许代理相互发现、协商和协调的协议及基础设施。
而当这些代理到达交易节点，涉及实际资本时，Anchorage Digital 就会成为执行层。
我们执行政策。我们确立身份。我们在加密货币和法币轨道上执行结算。
同样重要的是，这种合作不仅限于代理金融。Anchorage Digital 和 Google Cloud 还在合作，通过云端使机构数字资产基础设施更易于部署，将受监管的托管、密钥管理、交易治理、交易、质押和操作工作流整合在统一的 B2B2C 技术栈中。
我们的目标是为金融机构提供一种更快、更安全的方式，将稳定币和数字资产直接嵌入其自身产品中，所采用的基础设施既足够灵活以支持当前的用例，也能支持未来由代理驱动的工作流程。
我们正在共同为新事物奠定基础：一个软件不仅能生成输出，还能安全、大规模地直接参与经济活动的体系。
目前仍处于早期阶段。大多数机构尚未完全做好准备。
但我们以前见过这种模式，最重要的基础设施往往在人们意识到其必要性之前就已经建成。
我们不是在响应需求，而是在为未来的方向构建。
我们认为，这是当今金融基础设施中发生的最重要的转变之一。
## 相关链接
- [Nathan McCauley](https://x.com/nathanmccauley)
- [@nathanmccauley](https://x.com/nathanmccauley)
- [24K](https://x.com/nathanmccauley/status/2051701424031977959/analytics)
- [@Anchorage](https://x.com/@Anchorage)
- [@googlecloud](https://x.com/@googlecloud)
- [升级到 Premium](https://x.com/i/premium_sign_up)
- [2026年5月6日 上午12:31](https://x.com/nathanmccauley/status/2051701424031977959)
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*导出时间: 2026/5/6 12:29:49*