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Consensys CEO and Ethereum co-founder Joe Lubin just shared a very interesting vision: AI and crypto are converging to create a new machine-driven economy.

In an interview with CoinDesk, Lubin said autonomous or semi-autonomous AI agents will soon transact, coordinate, and verify each other directly on decentralized networks, using crypto as the foundational rails. He believes blockchain is “for machine intelligences,” but humans won’t be replaced. Instead, AI will act as an intelligent interface, letting people interact with crypto through simple intent rather than complex manual steps.

However, Lubin also warned about the risks. If AI infrastructure stays too centralized in the hands of big tech companies, “we could be in trouble.” He stressed that decentralized systems and cryptography will be essential to keep machines accountable and transparent.

On the product side, Lubin revealed MetaMask is being rebuilt into a “new kind of neobank that you own and control” essentially a personal money operating system in your pocket. AI agents could manage assets, execute trades, and handle transactions on your behalf.

He also talked about the rise of “corporate chains” on Ethereum for higher throughput, while emphasizing that the most durable assets should still be minted on Ethereum Layer 1. Stablecoins, according to Lubin, are just a “stepping stone” toward more decentralized forms of money.

On quantum computing, Lubin downplayed immediate concerns, saying Ethereum developers have been preparing for years and see it as part of the network’s natural evolution