Dr. Xiao Feng, Chairman and CEO of HashKey Group, emphasized the need for next-generation on-chain financial infrastructure to support the AI agent economy at the Hong Kong Digital Finance Summit 2026. He projected that on-chain finance could scale to $3 trillion to $5 trillion within three years. Dr. Xiao highlighted that AI advancements will lead to high-frequency, low-value automated payments, which traditional banking systems cannot efficiently handle. Blockchain and tokenized systems, however, offer the necessary infrastructure for such micro-payments. Dr. Xiao outlined a three-layer structure for the future AI agent economy: a production layer with assets like computing power and AI tokens, a medium of exchange layer relying on digital currencies, and an asset layer generating new digital assets. He identified Hong Kong's legal system, financial center status, and proactive regulatory approach as strategic advantages in digital finance. Dr. Xiao also noted that while the mediums of exchange evolve, the fundamental need for value exchange remains constant, predicting a transformative growth in on-chain finance.