# Сопутствующие статьи по теме Web3

Новостной центр HTX предлагает последние статьи и углубленный анализ по "Web3", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

Three Years Later: How Has AI Evolved from a 'Chat Tool'?

Three years ago, AI was primarily seen as a novel tool for chatting, image generation, and entertainment—products like ChatGPT, Midjourney, and Character.AI were used more for demonstration than daily reliance. The evolution occurred in two major phases. First, AI became embedded into established applications like CapCut, Canva, and Notion, transforming from a feature into core infrastructure. Platforms diverged: ChatGPT aimed to become a super-app entry point for consumer internet use, while Claude evolved into a professional operating system for knowledge work, creating sticky platform flywheels through integration into calendars, email, and workflows. The true breakthrough emerged recently as AI shifted from generating content to executing tasks autonomously. AI agents like OpenClaw now decompose goals, retrieve information, process data, and deliver results without human intervention. Simultaneously, "Vibe Coding" tools (e.g., Cursor, Replit) enable AI to build entire software products based on human-defined objectives. This progression toward autonomous action is naturally aligning AI with Web3. Blockchain offers machine-native interfaces, programmable assets, and 24/7 operational capability, allowing AI to execute and settle transactions trustlessly without human intermediaries. Together, AI and Web3 are forming the foundational stack for the next internet—where AI acts, and Web3 enables seamless, auditable machine-to-machine coordination and commerce.

marsbit03/20 03:00

Three Years Later: How Has AI Evolved from a 'Chat Tool'?

marsbit03/20 03:00

If Hong Kong's First Batch of Stablecoin Licenses Are Really Only Issued to Banks, We Might Miss the Next Decade

Recent reports indicate that the Hong Kong Monetary Authority (HKMA) is poised to issue its first batch of stablecoin licenses, with speculation suggesting that initial approvals may be limited to traditional note-issuing banks or large financial institutions. This approach, driven by extreme risk aversion and financial stability concerns, has raised alarms within the industry. The author argues that disruptive financial innovations—such as PayPal, Alipay, and cryptocurrencies—historically emerge from agile tech startups and entrepreneurs, not risk-averse traditional banks. Stablecoins, as borderless, programmable, and decentralized monetary instruments, represent a fundamental shift that challenges existing banking models. Entrusting this innovation to institutions with inherent incentives to protect legacy systems may hinder progress. Globally, tech-driven companies like Stripe (which acquired stablecoin platform Bridge) and Circle (issuer of USDC) are leading stablecoin adoption and integration with AI and Web3 ecosystems. The U.S. is leveraging such innovations to advance its fintech competitiveness, while Hong Kong’s conservative licensing strategy could leave local Web3 firms at a disadvantage. Critically, the rise of AI agents will require seamless, high-frequency, micro-transactions across borders—a use case incompatible with traditional banking systems due to high fees, slow settlement, and rigid KYC/AML frameworks. Stablecoins, integrated with smart contracts, are essential for enabling machine-driven economies. The author urges Hong Kong regulators to balance caution with innovation by including technically adept, non-bank entities in the licensing framework. Failure to do so may cause Hong Kong to miss a pivotal decade in the digital economy, undermining its ambition to become a global digital asset hub.

marsbit03/19 14:13

If Hong Kong's First Batch of Stablecoin Licenses Are Really Only Issued to Banks, We Might Miss the Next Decade

marsbit03/19 14:13

活动图片