为什么可编程钱包是分散金融的未来基础设施

随着AI代理商开始管理流动性，优化产量和执行交易，它们很快成为基础架构

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.

在加密货币市场全天运作但人类贸易商有局限性的领域中，新兴的AI代理人正在介入以管理流动性，优化收益率并在所有时间内执行交易。

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.

随着这些代理商开始通过处理人类过去所做的任务在分散的金融（DEFI）中发挥不可或缺的作用，它们很快成为行业未来的基础设施。

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.

虽然AI代理商从用于量化商人的利基工具发展为主流金融运营商，但他们迅速超过了旨在保护它们的钱包。

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.

当然，已经出现了账户抽象和智能合同钱包的进步，但是大多数Defi平台仍然主要依赖于需要手动批准的外部拥有的帐户钱包。存在早期可编程解决方案，但在1层网络上仍然存在分散，并且仅由一小部分用户采用。

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

但是，随着AI代理人变得越来越有能力并开始执行复杂的财务功能，这种基础设施限制变得至关重要。

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

我们需要标准化的基础架构，该基础架构允许在多个区块链生态系统中具有可验证的护栏，可实现安全，具有成本效益的自动化。

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.

这尤其紧迫，因为机构越来越多地进入该空间。大多数机构投资者将不允许AI代理在没有可验证的护栏和报告机制的情况下与资本互动。

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.

自主代理人的兴起开辟了新的可能性：免提defi策略，实时投资组合优化和交叉链套利。但是，如果没有可编程的权限和OnChain的可见性，将控制权委派给AI可能会使用户面临灾难性的风险。

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.

恶意的机器人，幻觉代理和设计较差的自动化可能会在人类注意到之前消耗钱包。我们已经看到代理基础架构失败时会发生什么。

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，基于电报的交易机器人香蕉枪的用户通过被剥削的Oracle漏洞损失了563 Ether（ETH）（ETH）（约190万美元），允许攻击者拦截消息并获得对用户钱包的未经授权的访问权限。最近，攻击者违反了AIXBT的仪表板并发出了直接转移资金的命令，导致55.5 ETH的损失价值超过100,000美元。

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

这些不是孤立的事件 - 它们是我们自动化基础设施中系统性脆弱性的警告信号。

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.

尽管有多年的钱包创新，但该建筑仍然主要是静态的：签署交易，广播，重复。大多数钱包不是为了理解“意图”而构建的，而是验证自动化与用户定义的规则相匹配，或者按时间，资产类型或策略限制活动。

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.

这种刚性产生了全部或全无的动态：您要么维护手动控制并错过了快速移动的机会，要么将访问完全交给不透明的第三方系统。为了使AI驱动的Defi在构建更多实用程序时可以安全地扩展，我们需要可编程，可合并和可验证的基础架构。

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.

由于智能合约将逻辑编码到DEFI协议中，因此钱包基础结构必须将逻辑编码到用户控件中。这意味着启用基于会话的权限，对代理操作的加密验证以及实时撤销访问权限的能力。

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.

有了这些功能，用户可以在不放弃完全控制的情况下委派交易，重新平衡或策略执行。这种方法不仅减轻风险，还可以扩大访问权限。没有技术知识的情况下，用户可以访问高级DEFI策略，并由可验证的约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.

可编程的钱包基础架构不仅会使Defi更安全，还可以使其可扩展。长期以来，跨链条和协议的分裂一直是自动化策略的障碍。一个通用的密钥库协议，跨网络同步权限并强制执行约束可以简化交叉链委托，并为可互操作的代理生态系统打开大门。

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，随着对Defi的机构兴趣的增长，这种安全的自动化将是不可谈判的。大多数公司将不允许AI代理在没有可验证的护栏和报告功能的情况下与资本互动。

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

正如零知识证明对隐私和合规性所必需一样，可编程的钱包权限可能成为基于代理的安全性的标准。

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.

有人可能会认为，财务自主权不能信任AI，但是传统市场已经采用了算法交易和黑匣子自动化。 defi不能免疫 - 它只是没有准备的。

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户主权原则，则必须构建基础架构，以使AI代理保持检查。首先要重建钱包，作为自动多小型经济的界面和操作系统。

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处于自动化革命的边缘。问题不是代理人是否会参加。无论我们是给他们轨道，他们还是需要为用户服务，而不是尽管他们没有。