Opinion by: Dylan Dewdney, co-founder and CEO at Kuvi.ai
With everyone and their grandmother talking about AI these days, half the time it seems to be that vague, overhyped mantra “it’s going to change everything,” and the other half it’s about ChatGPT replacing your therapist.
Almost no one is talking about how AI could help with the boring, frustrating, everyday mess of personal finance. This doesn’t mean dashboards, robo-advisers or the latest DeFi app with a shiny UX. It’s something more radical — agentic finance.
That phrase might sound a little academic, but it’s simple. Instead of clicking buttons and juggling tabs, you give an AI agent a goal, like “ensure solvency this month” or “optimize stablecoin yield without wrecking gas fees.” The agent then handles the fragmented mess of accounts, exchanges, wallets, swaps, bridges — whatever it takes.
It’s not about replacing you, it’s about coordinating your choices. The fact that people are talking to a large language model about their anxiety but can’t yet trust an AI to handle a Uniswap trade is absurd.
The crypto mess no one admits out loud
DeFi still feels like 2010 web forums mashed with a bank’s back office. You’re jumping between Coinbase, Binance, MetaMask, maybe a Solana wallet on your phone, plus some Discord threads where people argue about “best” yield farms. Every screen looks different, every transaction has hidden friction. Gas fees spike, bridges break, approvals vanish into the ether.
There’s a reason so many people just leave their money on centralized exchanges, even after everything that went down with FTX. The UX of self-sovereign finance is still awful. That’s precisely why agentic finance matters.
Consider telling an AI agent: “Allocate 20% of my ETH into a low-risk yield strategy, but shift it if USDT de-pegs even a little.” You don’t want to read thirty blog posts or memorize which pool uses Curve versus Balancer. You just want it done. The agent works for you. It interprets, executes and adapts.
Markets are missing the boat on agentic finance
Here’s the infuriating part. If the world is hyped about AI agents, why are fintech and crypto folks still stuck on dashboards? We keep getting new “personal finance super apps,” but they’re just shinier spreadsheets: no coordination, no autonomy, no real intelligence.
Related: How to use ChatGPT Agent for crypto trading in 2025
People are literally spilling their deepest secrets to ChatGPT. They’re treating it like therapy, like companionship. But ask it to move $1,000 from USDC to stETH while balancing carbon footprint and keeping slippage under 1%? Suddenly, the whole industry acts like that’s a bridge too far.
It’s not, it’s fear. Regulators might freak out, and platforms don’t want to lose control of users. To be fair, the risk of bad actors building sketchy agents is real. Hiding from the future doesn’t stop it.
Think about the market implications for a second. If agentic finance takes off, the stickiness of single platforms like Coinbase or Robinhood evaporates. Loyalty shifts to whoever builds the best coordinator, not whoever owns the exchange. Imagine your agent balancing positions across five CEXs and 10 DeFi protocols — no more vendor lock-in.
That’s terrifying if you’re a centralized exchange, but it’s also an opportunity. Whoever figures this out first gets to redefine the rails of finance. Not wallets, not brokerages, not apps. The agent becomes the gateway.
Users will happily let that happen, because no one enjoys waking up at 2 a.m. to approve a transaction before the pool dries up. No one enjoys explaining to their spouse that the money’s “stuck in a bridge” for 48 hours. People want outcomes, not interfaces.
Sunset dashboards, build agents
It’s time to admit that dashboards aren’t the future. Play-to-earn had its hype cycle, memecoins had their run, and right now, “AI integrations” are the flavor of the month. The breakthrough is letting agents handle the grind of finance, especially crypto finance.
The objections will come.
Some will say it’s risky to let an AI touch your money. Some will say regulators will never allow it. Some will argue people “should” want to learn the nuts and bolts themselves. Those same arguments showed up against online banking, automated bill pay and algorithmic trading.
Agentic finance isn’t about making humans obsolete. It’s about giving us the space to focus on strategy instead of clicking through broken UI flows. It’s about making finance feel more like Spotify playlists and less like debugging Excel.
The companies that get this will win. The ones that don’t will cling to their dashboards, convinced that people enjoy the suffering. But just wait — once someone releases the first trustworthy financial agent, no one’s going back.
Opinion by: Dylan Dewdney, co-founder and CEO at Kuvi.ai.
This article is for general information purposes and is not intended to be and should not be taken as legal or investment advice. The views, thoughts, and opinions expressed here are the author’s alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.