Chen Long, Secretary-General of Luohan Academy, stated that AI and blockchain tokens will drive the third wave of fintech during a keynote at the 2026 Shanghai International Blockchain Week. He outlined three historical waves corresponding to connection, trust, and thinking, identifying internet finance, blockchain asset tokenization, and AI as the respective drivers of each era. Chen described tokens as the fundamental unit for both blockchain trust technology and AI thinking technology. He predicted that AI finance and on-chain finance will converge into "smart-chain" finance, enabling intelligent agents to continuously trade and allocate various assets as trusted entities.