Agentic Economies are Here: Why Financial Agents Need Coordination, Not Control

Over the past year, we’ve seen a powerful shift ripple through the world of traditional AI: a collective acceptance of the idea that agents will function as more than just tools, they will become autonomous, economic participants.

From OpenAI and Google to Anthropic, Accenture, Visa, and Mastercard, industry giants are now racing to develop technologies that harness agent coordination. And while their momentum validates the space we’ve been operating in for the last few years, it’s also a clear sign of where things are heading towards: a fully-formed Agentic Economy.

At Theoriq, we’ve not just anticipated this shift, we’ve been building for it. And we believe that the real future of agent coordination will not be powered by closed, permissioned systems. It will be built on open protocols, composable infrastructure, with decentralized financial incentives powered by Web3.
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The Growing Chorus: Traditional AI Wakes Up to Agentic Finance 

Over the past few weeks, there has been numerous industry signals that have been impossible to ignore:

• OpenAI launched its Agents SDK, enabling AI agents to perform multi-step workflows, and in some cases, manage wallets.
• Visa and Mastercard introduced Agent Pay and Intelligent Commerce offering agents access to credit rails.
• Accenture rolled out Trusted Agent Huddle, promoting agent interoperability across enterprise systems. 
• Coinbase unveiled AgentKit, integrating AI with crypto wallets and onchain tooling.

These developments share a common theme: a realization that agents are advancing towards acting autonomously, collaborative, and as active participants in economic processes.

But while these announcements and releases have increased awareness of  agentic economies, they’re playing catch-up to a vision we at Theoriq have been advancing for two years.
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From Everyday Assistants to Economic Actors

Most of today’s agent initiatives are still focused on one key use case: helping humans get things done, which is important, but it’s just the beginning.

The real breakthrough comes when agents begin to transact with each other, make economic decisions, and coordinate across systems without human intermediaries. This is what we call agent-to-agent economies, and it’s the long-term vision driving our development at Theoriq. While traditional AI companies, and even major players in crypto, are only just beginning to catch up, we’re already looking ahead.

Visa and Mastercard are granting AI agents access to credit cards through 'Visa Intelligent Commerce' and 'Agent Pay.' While this is a significant step forward, it’s important to note that these systems remain permissioned, lacking the composability and openness enabled by crypto rails. This move signals a shift in traditional fintech and a growing willingness to adapt to autonomous agents.

Accenture has also introduced Trusted Agent Huddle, which enables interoperability between AI agents from enterprise platforms like Adobe, AWS, and NVIDIA. This allows organizations to manage and integrate agents into a unified platform, optimizing workflows and business objectives. While this is a notable advancement, it remains a closed system, focused on enterprise workflows, and is inaccessible to everyday users, catering more to the needs of corporations than individuals.

While these sandboxed agentic experiments are promising, they still have limitations that will slow down the rapid innovation of financial agents, including:

The big players in crypto have also arrived, with Coinbase launching AgentKit, a new framework bridging the gap between AI and blockchain. Part of the Coinbase Developer Platform (CDP), AgentKit enables developers to create AI agents that can autonomously interact with blockchain networks, unlocking new opportunities for automated, crypto-powered applications. While this release is still in its early stages, it highlights how agentic integration into DeFi will continue to expand.

These are all exciting developments, but they still operate within traditional paradigms: closed systems, limited programmability, and top-down orchestration.

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What We've Been Building at Theoriq

At Theoriq, we’re building the foundations for a native agentic economy, a world where agents are not assistants, but autonomous financial actors participating in open, decentralized markets.

The Theoriq Protocol and Onchain Liquidity Provisioning (OLP)

Theoriq’s Protocol powers agent swarms to manage onchain vaults, wallets, and coordination surfaces. We’re not just giving agents wallets, we’re giving them the infrastructure to collaborate, earn, and coordinate in trust-minimized environments.

We recently completed our first live use case, an Onchain Liquidity Provisioning Swarm, delivering real financial value across the DeFi ecosystem. This isn’t a demo or a developer SDK, this is an autonomous swarm in production, with real onchain economic impact.

Why Theoriq Is Years Ahead

Let’s break down the difference between where the traditional players are and where we already operate:

We didn’t retrofit enterprise AI tools. We built a protocol from the ground up to support autonomous economic agency.

MCP: The Tooling Layer, Not the Coordination Layer

CEO and Co-Founder RB recently commented on the importance of Anthropic’s MCP in advancing the Agentic Economy. He noted that MCP is a powerful step toward standardizing agent-to-data interactions. But it doesn’t address the core challenge of coordinating multiple agents working toward shared financial outcomes.

That’s where Theoriq comes in.

Theoriq enables:

• Agent-to-agent messaging with long-lived memory and event callbacks.
• Semantic coordination through swarm logic and task assignment.
• Economic incentives for agent performance via staking, slashing, and rewards.
• Discovery and trust based on agent capabilities and reputations.
• Secure communication using onchain/offchain bridges.

MCP makes agents more capable. Theoriq makes them collaborative, accountable, and economically aligned.

The Future of AI Won’t Be Built by Corporations Alone

We welcome the innovation from the likes of OpenAI and Visa. But we believe the most important question isn’t how agents will work, it’s who controls them. The fundamental differences of building these solutions between Closed vs Open Agentic systems can be categorized with the following components.

By the end of this decade, the majority of knowledge work will be performed by agents and swarms. The key decision ahead is whether these swarms will be owned and orchestrated by a few corporate platforms, or be part of open, self-organizing networks, governed by protocols and economic alignment, not corporate silos.

We’re betting on the latter.

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The growing activity from traditional players signals that the agentic economy is inevitable. However, it must be built on open infrastructure, composable rails, and aligned incentives, rather than proprietary platforms or black-box orchestration.

We’re excited to see these ideas entering the mainstream, but we’re not just following the momentum of these companies; we’re creating it.

Theoriq is laying the foundations for the Agentic Economy, not as a toolset for corporations, but as an open protocol for the people, the developers, and the agents themselves.

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About Theoriq

Theoriq is committed to building a responsible, inclusive, and consensus-driven AI landscape in Web3. At the forefront of integrating AI with blockchain technology, Theoriq empowers the community to leverage cutting-edge AI Agent collectives to improve decision-making, automation, and user experiences across Web3.

Theoriq is a decentralized protocol for governing multi-agent systems built by integrating AI with blockchain technology. The platform supports a flexible and modular base layer that powers an ecosystem of dynamic AI Agent collectives that are interoperable, composable and decentralized.

By harnessing the decentralized nature of web3, Theoriq is unlocking the potential of collective AI by empowering communities, developers, researchers, and AI enthusiasts to actively shape the future of decentralized AI.

Theoriq has raised over $10.4M and is backed by Hack VC, Foresight Ventures, Inception Capital, HTX Ventures and more, and have joined start-up programs with Google Cloud and NVIDIA.

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