SAN FRANCISCO, CA – Crypto isn’t just building faster payments rails. It may be building the financial system for non-humans.

As AI agents grow more autonomous, developers are already giving them crypto wallets, allowing software to hold assets, pay for services, trade tokens and even hire other agents. The technical pieces are falling into place. The legal ones are not.

At a recent panel at NEARCON 2026, Electric Capital’s Avichal Garg framed the moment as historically significant.

“What happens if there’s not a human behind it at all?” Garg asked. “It’s some piece of code that owns a wallet, executing code to make more money… How does liability work in that case? I actually don’t know.”

Crypto makes this possible in a…