jakiro
Author: Yue Xiaoyu; Source: X, @yuexiaoyu111
The future form of Web3 wallet has five key directions:
1️⃣ Wallet + AI Agent = Smart Wallet
Deeply integrate AI Agent into the wallet to achieve intelligence.
Many wallets are also making various attempts, but they are still in a vacancy in the market.
2️⃣ Wallet + DeFi = financial wallet
It is necessary to be able to automatically accrue interest on the balance and truly realize Yu’e Bao on the chain.
OKX Pay has made a good attempt to deposit and use stable coins, and the balance can automatically accrue interest, just like Yu’e Bao.
3️⃣ Wallet + Crypto Card = Consumption Wallet
The carrier is a U card, which can be used in daily life by recharging stable coins.
The best one currently is Bitget Wallet, which not only has a built-in USB card, but also has mall services to provide usage scenarios.
MetaMask has also done something similar, launching its own U card to focus on the travel scene.
4️⃣ Wallet + Web3 payment = payment wallet
The penetration rate of stablecoin payment is already very high.
But currently the main thing on the market is B2B payment, that is, payment between enterprises.
C-side payment is still not popular, and BitPay has been deployed very early, and it has relatively extensive merchant resources.
5️⃣ Wallet + chain abstraction = chainless wallet
Wallets are still too complicated now, and ordinary users need to understand many concepts before they can actually use them.
For example, you need to understand private keys, understand Gas, understand cross-chain, etc.
What has become an industry infrastructure is the chain abstraction service provider Particle Network.
Among these five general directions, the most promising one is the combination of wallet and AI Agent.
After scanning the wallets on the market, there are not many wallets that incorporate AI. They can be roughly divided into three categories:
One is the standard-setting group represented by Coinbase Wallet, which has developed an open platform, AI toolkit and x402 payment protocol;
One type is the AI service integration group represented by Bitget Wallet, which uses AI capabilities to conduct AI token analysis, trading signals, etc.;
There is also a group of system reformers represented by Talisman Wallet, who are building a new generation of AI-native wallets.
Study the strategy of Talisman wallet:
Mainly through the built-in AI Agent to optimize and automatically optimize user decisions, including transactions and DeFi operations.
Talisman’s AI services are developed in cooperation with Rizzo, and the cooperation between the two mainly benefits from the DNA Fund.
Talisman itself is a multi-chain wallet that mainly provides product direction, user experience and wallet integration; Team Rizzo is an AI Agent development team responsible for building and maintaining subnet infrastructure.
Maybe it’s because TGE is approaching recently and there is a certain amount of popularity in the community.
But in the long run, we still have to return to the product itself.
After superimposing the capabilities of AI, is it possible to make existing wallets leap into the era of smart wallets?
It’s still worth looking forward to, and I hope the wallet track can usher in an “Apple moment” in the future!
