The most challenging problem for AI agents isn't computing power or model capability—it's whether you're willing to hand over your wallet's private key. Imagine this: an AI monitors the market for you 24/7, automatically executes arbitrage, and reinvests profits. Sounds great, but who would dare to give it direct access to their exchange API keys? Once those keys are compromised, your account can be wiped out in an instant.

That's why some teams are working on a three-layer identity architecture. The idea is simple: you control the root private key, the AI agent can only use restricted sub-accounts, and each operation requires authorization via a temporary session key. It's similar to the traditional finance model of "custodial account + trader permissions + single transaction authorization," except it's all on-chain.

In practice, users can set very specific rules for the agent—for example, "spend no more than 500 USDT per day," "block transfers to certain addresses," or "automatically revoke permissions after a timeout." Reportedly, setup only takes three clicks. Within the authorized scope, the agent can freely make payments and interact with smart contracts, but if it exceeds the boundaries or the session expires, permissions are automatically revoked. Programmable governance like this is no longer just a buzzword.

On the technical side, they're using a parallel EVM combined with a custom data availability layer. Single-slot processing time is reduced to 400 milliseconds, and final state confirmation takes less than a second. What does that mean? Two AI agents can complete the entire on-chain process of "quote request → contract signing → payment → delivery confirmation" without waiting several seconds or relying on any centralized payment gateway.

Allegedly, an "intent-centric" interaction mode is coming next—users just describe their goals, and the system automatically plans and executes the path. If this system truly works, it could finally lay the foundation for trustworthy payment infrastructure for AI agents.