Coinbase открыла ИИ-агентам доступ к криптоплатежам

cryptonews.ruОпубліковано о 2025-03-22Востаннє оновлено о 2025-10-23

Крупнейшая в США криптобиржа Coinbase запускает систему Payments MCP, которая позволит языковым моделям вроде Claude от Anthropic и Gemini от Google получать доступ к криптокошельку, фиатному шлюзу и платежам.

Решение разработано подразделением Coinbase Developer Platform. Сервис предоставляет ИИ-агентам «те же финансовые ончейн-инструменты, что и людям — от кошельков и фиатных шлюзов до платежей в стейблкоинах».

«Мы по-прежнему считаем, что каждый агент заслуживает иметь собственный кошелек», — говорится в анонсе.

Вице-президент Coinbase по развитию бизнеса Дэн Ким и глава инженерного отдела Coinbase Developer Platform Эрик Реппел отметили, что криптосети и стейблкоины — идеальная инфраструктура для «агентской коммерции».

«Они действуют со скоростью кода, бесшовно интегрируются с API и позволяют автономным агентам работать без человеческого трения», — написали разработчики.

Payments MCP можно запускать локально на компьютере, получать к нему доступ с минимальным участием пользователя и настраивать под конкретные задачи агента.

Другие особенности:

создание кошелька и вход по e-mail — без API-ключей и настройки разработчика;
калибровка через удобный интерфейс — конфигурация агента, лимиты расходов, управление транзакциями;
интеграция x402 — позволяет искать API и сервисы, за которые агент может заплатить прямо в интерфейсе.

Работу Payments MCP протестировали на Claude Desktop, Claude Code, Codex, Gemini и Cherry Studio. Поддержка других моделей появится позже.

Развитие ИИ — убытки банков

По оценке McKinsey, банки рискуют потерять до $170 млрд прибыли, если не перестроят свои бизнес-модели под новый тренд — использование клиентами искусственного интеллекта для управления личными финансами. Об этом сообщает Bloomberg.

В отчете отмечается, что благодаря ИИ-ботам люди меньше будут хранить средства на счетах с низкой доходностью.

«Представьте, у вас есть агент, который говорит: “Эй, ты можешь сэкономить $2000 в год, просто переведя деньги на другой счет”. Это устраняет значительную часть инерции, которая есть в нынешней системе», — объяснил старший партнер McKinsey Прадип Патиатх.

По данным экспертов, потребители держат $23 трлн из $70 трлн на счетах с практически нулевой ставкой, остальные средства приносят небольшой доход.

Напомним, в мае Coinbase представила инструмент для онлайн-платежей x402. Он предназначен для перевода стейблкоинов по стандартным интернет-протоколам и позволяет ИИ-агентам совершать автономные сделки.

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