SBF has identified a key issue for the crypto industry: whether AI will utilize crypto payment systems. He noted that while AI may need to purchase computing power and other resources, traditional financial systems rely on KYC mechanisms, which require identity verification through passports, addresses, or social security numbers—information AI lacks. In contrast, crypto networks are digital and permissionless, theoretically making them more suitable for AI transactions. SBF also mentioned the possibility of an "agent model," where AI acts as an agent for a specific human who completes KYC and assumes legal responsibility. Regardless of the approach, establishing a connection between AI and payment systems is crucial. The choice between a native crypto model or one dependent on human intermediaries will significantly impact the crypto industry's development.