Five key development directions for Web3 wallets in the future

The article outlines five key development directions for the future of Web3 wallets, with the integration of AI agents highlighted as having the most potential.

Wallet + AI Agent = Smart Wallet: Deep integration of AI into wallets to achieve intelligence, representing a significant market opportunity. Examples include Coinbase Wallet's open platform, Bitget Wallet's integrated AI services for analysis, and Talisman Wallet's next-generation, AI-native approach.
Wallet + DeFi = Financial Wallet: Aiming to automatically generate yield on balances, creating an on-chain equivalent to products like Alipay's Yu'ebao, as attempted by OKX Pay.
Wallet + Crypto Card = Spending Wallet: Utilizing cards (like U-cards) topped with stablecoins for daily spending. Bitget Wallet and MetaMask are noted for their efforts in this area.
Wallet + Web3 Payment = Payment Wallet: While stablecoin payments are mature in B2B contexts, consumer-facing (C-end) adoption is still limited, with pioneers like BitPay.
Wallet + Chain Abstraction = Chainless Wallet: Simplifying the user experience by abstracting away complex concepts like private keys, gas, and cross-chain operations, with infrastructure players like Particle Network emerging.

The piece concludes by questioning if existing wallets can leap into the smart wallet era with AI, expressing hope for the industry's transformative "Apple moment."

Author: Yue Xiaoyu

The future form of Web3 wallets has five key areas of focus:

1. Wallet + AI Agent = Smart Wallet

Deeply integrate the AI Agent into the wallet to achieve intelligence.

Many wallets are making various attempts, but they are still in a market gap.

2. Wallet + DeFi = Financial Wallet

It needs to be able to automatically generate interest on the balance, truly realizing an on-chain Yu'ebao (Alipay's money market fund).

OKX Pay has made a great attempt: depositing and using stablecoins allows the balance to automatically accrue interest, just like Yu'ebao (Alipay's money market fund).

3. Wallet + Crypto Card = Spending Wallet

The medium is a U-card; once you top it up with stablecoins, you can use it for everyday spending.

Currently, the best one is Bitget Wallet, which not only has a built-in USB card but also offers an online store, providing various usage scenarios.

MetaMask did something similar, launching its own U-card and focusing on the tourism sector.

4. Wallet + Web3 payment = Payment Wallet

Stablecoin payments have already achieved a very high penetration rate.

However, the market currently mainly deals with B2B payments, which are payments between businesses.

Consumer-facing (C-end) payments are still not widespread, and BitPay is one of the earliest adopters with a relatively broad range of merchant resources.

5. Wallet + Chain Abstraction = Chainless Wallet

Wallets are still too complicated; ordinary users need to understand many concepts before they can actually use them.

For example, you need to understand private keys, gas, cross-chain, and so on.

Particle Network, a blockchain abstraction service provider, has become an industry infrastructure.

Of these five major directions, the combination of wallets and AI agents has the most potential.

After reviewing the wallets on the market, I found that there aren't many that incorporate AI; they can be roughly divided into three categories:

One type is the standard-setting group, represented by Coinbase Wallet, which has developed an open platform, AI toolkit, and x402 payment protocol;

One type is represented by Bitget Wallet, which integrates AI services and uses AI capabilities to perform AI token analysis, trading signals, and so on.

Another group, represented by Talisman Wallet, represents system reformers who are building a new generation of AI-native wallets.

I studied the Talisman wallet's strategy:

It primarily optimizes user decisions automatically through a built-in AI Agent, including trading and DeFi operations.

Talisman's AI service was developed in partnership with Rizzo, a collaboration largely facilitated by the DNA Fund.

Talisman itself is a multi-chain wallet, primarily providing product direction, user experience, and wallet integration; Team Rizzo is an AI Agent development team responsible for building and maintaining subnet infrastructure.

It's probably because TGE is coming up soon, and it's generating a lot of buzz in the community.

However, in the long run, we still need to focus on the product itself.

With the addition of AI capabilities, is it possible for existing wallets to leap into the era of smart wallets?

It's definitely something to look forward to, and hopefully the wallet industry will see its "Apple moment" in the future!