為什麼可編程錢包是分散金融的未來基礎設施

隨著AI代理商開始管理流動性，優化產量和執行交易，它們很快成為基礎架構

In a domain where crypto markets operate around the clock but human traders have their limitations, emerging AI agents are stepping in to manage liquidity, optimize yield and execute trades at all hours.

在加密貨幣市場全天運作但人類貿易商有局限性的領域中，新興的AI代理人正在介入以管理流動性，優化收益率並在所有時間內執行交易。

As these agents begin to play a more integral role in decentralized finance (DeFi) by handling tasks that humans used to do, they’re quickly becoming essential infrastructure for the future of the industry.

隨著這些代理商開始通過處理人類過去所做的任務在分散的金融（DEFI）中發揮不可或缺的作用，它們很快成為行業未來的基礎設施。

While AI agents are evolving from niche tools for quant traders into mainstream financial operators, they’re rapidly outpacing the wallets meant to secure them.

雖然AI代理商從用於量化商人的利基工具發展為主流金融運營商，但他們迅速超過了旨在保護它們的錢包。

Sure, advancements in account abstraction and smart contract wallets have emerged, but most DeFi platforms still predominately rely on externally owned account wallets that require manual approvals at every step. Early-stage programmable solutions exist but remain fragmented, costly on layer-1 networks and adopted by only a tiny fraction of users.

當然，已經出現了賬戶抽象和智能合同錢包的進步，但是大多數Defi平台仍然主要依賴於需要手動批准的外部擁有的帳戶錢包。存在早期可編程解決方案，但在1層網絡上仍然存在分散，並且僅由一小部分用戶採用。

But as AI agents become more capable and begin performing complex financial functions, this infrastructure limitation becomes critical.

但是，隨著AI代理人變得越來越有能力並開始執行複雜的財務功能，這種基礎設施限制變得至關重要。

We need standardized infrastructure that allows for secure, cost-effective automation with verifiable guardrails across multiple blockchain ecosystems.

我們需要標準化的基礎架構，該基礎架構允許在多個區塊鏈生態系統中具有可驗證的護欄，可實現安全，具有成本效益的自動化。

This is especially urgent as institutions are increasingly entering the space. Most institutional investors won’t allow AI agents to interact with capital without verifiable guardrails and reporting mechanisms.

這尤其緊迫，因為機構越來越多地進入該空間。大多數機構投資者將不允許AI代理在沒有可驗證的護欄和報告機制的情況下與資本互動。

The rise of autonomous agents opens new possibilities: hands-free DeFi strategies, real-time portfolio optimization and crosschain arbitrage. But without programmable permissions and onchain visibility, delegating control to AI can expose users to catastrophic risk.

自主代理人的興起開闢了新的可能性：免提defi策略，實時投資組合優化和交叉鏈套利。但是，如果沒有可編程的權限和OnChain的可見性，將控制權委派給AI可能會使用戶面臨災難性的風險。

Malicious bots, hallucinating agents and poorly designed automation can drain wallets before a human notices. We’ve already seen what happens when agent infrastructure fails.

惡意的機器人，幻覺代理和設計較差的自動化可能會在人類註意到之前消耗錢包。我們已經看到代理基礎架構失敗時會發生什麼。

In September 2024, users of the Telegram-based trading bot Banana Gun lost 563 Ether (ETH) (approximately $1.9 million) through an exploited oracle vulnerability that allowed attackers to intercept messages and gain unauthorized access to user wallets. More recently, attackers breached Aixbt’s dashboard and issued commands to transfer funds directly, resulting in the loss of 55.5 ETH worth over $100,000.

2024年9月，基於電報的交易機器人香蕉槍的用戶通過被剝削的Oracle漏洞損失了563 Ether（ETH）（ETH）（約190萬美元），允許攻擊者攔截消息並獲得對用戶錢包的未經授權的訪問權限。最近，攻擊者違反了AIXBT的儀表板並發出了直接轉移資金的命令，導致55.5 ETH的損失價值超過100,000美元。

These aren’t isolated incidents — they are warning signs of systemic vulnerability in our automation infrastructure.

這些不是孤立的事件 - 它們是我們自動化基礎設施中系統性脆弱性的警告信號。

Despite years of wallet innovation, the architecture remains static mainly: sign a transaction, broadcast it, repeat. Most wallets aren’t built to understand “intent,” verify that automation matches user-defined rules, or restrict activity by time, asset type or strategy.

儘管有多年的錢包創新，但該建築仍然主要是靜態的：簽署交易，廣播，重複。大多數錢包不是為了理解“意圖”而構建的，而是驗證自動化與用戶定義的規則相匹配，或者按時間，資產類型或策略限制活動。

This rigidity creates an all-or-nothing dynamic: either you maintain manual control and miss out on fast-moving opportunities or you hand over access entirely to opaque third-party systems. For AI-powered DeFi to scale securely as it builds more utility, we need programmable, composable and verifiable infrastructure.

這種剛性產生了全部或全無的動態：您要么維護手動控制並錯過了快速移動的機會，要么將訪問完全交給不透明的第三方系統。為了使AI驅動的Defi在構建更多實用程序時可以安全地擴展，我們需要可編程，可合併和可驗證的基礎架構。

As smart contracts encode logic into DeFi protocols, wallet infrastructure must encode logic into user control. That means enabling session-based permissions, cryptographic verification of agent actions and the ability to revoke access in real-time.

由於智能合約將邏輯編碼到DEFI協議中，因此錢包基礎結構必須將邏輯編碼到用戶控件中。這意味著啟用基於會話的權限，對代理操作的加密驗證以及實時撤銷訪問權限的能力。

With these features in place, users can delegate trading, rebalancing or strategy execution without giving up complete control. This approach doesn’t just mitigate risk — it expands access. Advanced DeFi strategies could become accessible to users without technical knowledge and managed securely by agents operating within verifiable constraints.

有了這些功能，用戶可以在不放棄完全控制的情況下委派交易，重新平衡或策略執行。這種方法不僅減輕風險，還可以擴大訪問權限。沒有技術知識的情況下，用戶可以訪問高級DEFI策略，並由可驗證的約束中的代理安全管理。

Programmable wallet infrastructure doesn’t just make DeFi safer — it makes it scalable. Fragmentation across chains and protocols has long been a barrier to automated strategies. A universal keystore protocol that syncs permissions and enforces constraints across networks can streamline crosschain delegation and open the door for interoperable agent ecosystems.

可編程的錢包基礎架構不僅會使Defi更安全，還可以使其可擴展。長期以來，跨鏈條和協議的分裂一直是自動化策略的障礙。一個通用的密鑰庫協議，跨網絡同步權限並強制執行約束可以簡化交叉鏈委託，並為可互操作的代理生態系統打開大門。

Moreover, as institutional interest in DeFi grows, this type of secure automation will be non-negotiable. Most firms won’t allow AI agents to interact with capital without verifiable guardrails and reporting capabilities.

此外，隨著對Defi的機構興趣的增長，這種安全的自動化將是不可談判的。大多數公司將不允許AI代理在沒有可驗證的護欄和報告功能的情況下與資本互動。

Just as zero-knowledge proofs are becoming essential to privacy and compliance, programmable wallet permissions may become standard for agent-based security.

正如零知識證明對隱私和合規性所必需一樣，可編程的錢包權限可能成為基於代理的安全性的標準。

Some may argue that AI can’t be trusted with financial autonomy, but traditional markets have already adopted algorithmic trading and black box automation. DeFi isn’t immune — it’s simply unprepared.

有人可能會認為，財務自主權不能信任AI，但是傳統市場已經採用了算法交易和黑匣子自動化。 defi不能免疫 - 它只是沒有準備的。

If crypto is to maintain its transparency and user sovereignty principles, it must build infrastructure that keeps AI agents in check. That starts with rebuilding wallets as interfaces and operating systems for the autonomous, multichain economy.

如果Crypto要保持其透明度和用戶主權原則，則必須構建基礎架構，以使AI代理保持檢查。首先要重建錢包，作為自動多小型經濟的界面和操作系統。

DeFi is on the edge of an automation revolution. The question isn’t whether agents will participate. Whether we give them the rails, they need to act in service of users, not in spite of them.

Defi處於自動化革命的邊緣。問題不是代理人是否會參加。無論我們是給他們軌道，他們還是需要為用戶服務，而不是儘管他們沒有。