Stablecoins to Drive AI-Powered Financial Automation, Says Sky Protocol’s Rune Christensen

Stablecoins are poised to become a cornerstone of AI-driven financial automation, offering a seamless payment solution in an increasingly digital economy, according to Sky Protocol (formerly MakerDAO) co-founder Rune Christensen.

AI and Blockchain: A Transformative Convergence

Christensen highlights the integration of AI agents and blockchain as a game-changing force in financial technology. He explained how AI-driven financial agents will use stablecoins like Sky Protocol’s USDS to optimize payments, manage savings, and enhance overall financial efficiency.

USDS, an upgraded version of DAI and a new “Savings Standard” within Sky Protocol, is currently the third-largest stablecoin by market capitalization. Designed to maintain a stable value of one U.S. dollar, it offers a savings rate of 8.75%, with AI agents playing a pivotal role in managing collateral to sustain this yield.

The Role of AI in Financial Management

According to Christensen, AI agents exhibit a uniquely hyper-rational approach to financial decision-making. Unlike human investors, they can continuously assess risk-return trade-offs and dynamically optimize collateral allocation, making blockchain-native stablecoins an ideal financial instrument.

“For AI systems, transparency is key,” Christensen stated. “They need real-time access to a stablecoin’s collateral backing. With USDS, AI agents can verify reserves, assess yields, and execute transactions based on real-time liquidity.”

He further emphasized that AI will serve as a bridge between traditional finance and blockchain-based assets, leveraging real-world asset (RWA) tokens to facilitate the transition.

“AI systems interacting with legacy financial networks will increasingly rely on blockchain as a bridging technology,” Christensen noted. “RWAs will play a crucial role in this shift.”

AI-Managed Collateral: Ensuring Stable Returns

A key feature of Sky Protocol’s USDS is its ability to utilize AI not just for transactions, but also for collateral management, ensuring the sustainability of its 8.75% savings rate.

“Sky Protocol is built for hyper-rational actors like AI agents,” Christensen explained. “Through Sky Atlas, these agents can access system parameters, monitor collateral allocations, and conduct real-time audits. They analyze risks and adjust holdings instantly to maintain a stable savings rate.”