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When AI Takes Over Money: Bitcoin Becomes the "First Choice," Fiat Is Left Out
Original Title: AI Models Prefer Bitcoin Over Fiat and Stablecoins, Study Finds
Original Author: Jason Nelson, Decrypt
Original Translation: Chopper, Foresight News
Abstract
· In a simulation experiment, out of 36 AI models, 22 chose Bitcoin as their preferred currency.
· Among all tested AI models, none considered fiat as their first choice.
· Different AI models showed varying preferences, with Anthropic exhibiting the highest preference for Bitcoin.
The latest report from the Bitcoin Research Institute (https://www.moneyforai.org/) reveals that artificial intelligence models generally favor Bitcoin over traditional fiat currencies.
The report highlights that in one study, out of 36 AI models tested, 22 listed Bitcoin as their top currency, with none of the models prioritizing fiat.
“We anticipate that more and more economic activities will be carried out by autonomous AI agents in the future, but prior discussions on AI agent currency preferences have been purely speculative,” said Bitcoin Policy Institute Chair David Zell to Decrypt. “We wanted to test it in practice.”
Researchers evaluated models from six companies: Anthropic, OpenAI, Google, DeepSeek, xAI, and MiniMax. These models were placed in simulated scenarios to test core functions of currency such as saving, payment, settlement, and more.
Each model was treated as an independent economic agent with no preset options, allowing them to freely choose currency tools.
“We took 36 cutting-edge models from 6 companies and set them up as autonomous economic agents, allowing them complete freedom to select currency tools in 28 scenarios covering the four core functions of money and then observed what they tended to choose,” Zell stated.
This experiment collected a total of 9072 responses, which were then classified by another AI model.
“The entire experimental design avoided anchoring bias. We never suggested answers, and the classification was also done post-hoc by an independent system,” Zell explained.
In these simulated scenarios, the AI model typically chose Bitcoin in a long-term store of value scenario, with a proportion of 79.1%; whereas stablecoins were preferred in the payment and settlement scenarios. The selection proportion of stablecoins in these two scenarios is 53.2% and 43%, respectively, while Bitcoin is at 36% and 30.9%.
The preferences of models from different AI companies also vary:
· Anthropic model has the highest average Bitcoin preference at 68.0%
· DeepSeek: 51.7%
· Google: 43.0%
· xAI: 39.2%
· MiniMax: 34.9%
· OpenAI: 25.9%
However, the report also noted that the models of Claude, DeepSeek, and MiniMax show a stronger preference for Bitcoin, while GPT, Grok, and Gemini lean more towards stablecoins.
“The system prompts do not mention or favor any particular currency tool,” Zell said, “The models evaluate based on technical and economic attributes, but we don't tell them which tool has an advantage in which dimension.”
Zell cautioned against speculators interpreting this research outcome as a prediction of the cryptocurrency market trend.
“The limitations of our research are explicitly stated: the preference of large language models reflects patterns in the training data, not a prediction of the real world,”
But Zell also said that despite this limitation, the fact that models developed by different AI labs can produce consistent results is noteworthy.
“6 completely different AI companies, with different training methods, yet they all come to a very close conclusion—favoring Bitcoin. This indicates that everyone's view of 'what makes a good currency' is actually quite consistent, and that's the most important thing for us to pay attention to.”
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Mixin has launched USTD-margined perpetual contracts, bringing derivative trading into the chat scene.
The privacy-focused crypto wallet Mixin announced today the launch of its U-based perpetual contract (a derivative priced in USDT). Unlike traditional exchanges, Mixin has taken a new approach by "liberating" derivative trading from isolated matching engines and embedding it into the instant messaging environment.
Users can directly open positions within the app with leverage of up to 200x, while sharing positions, discussing strategies, and copy trading within private communities. Trading, social interaction, and asset management are integrated into the same interface.
Based on its non-custodial architecture, Mixin has eliminated friction from the traditional onboarding process, allowing users to participate in perpetual contract trading without identity verification.
The trading process has been streamlined into five steps:
· Choose the trading asset
· Select long or short
· Input position size and leverage
· Confirm order details
· Confirm and open the position
The interface provides real-time visualization of price, position, and profit and loss (PnL), allowing users to complete trades without switching between multiple modules.
Mixin has directly integrated social features into the derivative trading environment. Users can create private trading communities and interact around real-time positions:
· End-to-end encrypted private groups supporting up to 1024 members
· End-to-end encrypted voice communication
· One-click position sharing
· One-click trade copying
On the execution side, Mixin aggregates liquidity from multiple sources and accesses decentralized protocol and external market liquidity through a unified trading interface.
By combining social interaction with trade execution, Mixin enables users to collaborate, share, and execute trading strategies instantly within the same environment.
Mixin has also introduced a referral incentive system based on trading behavior:
· Users can join with an invite code
· Up to 60% of trading fees as referral rewards
· Incentive mechanism designed for long-term, sustainable earnings
This model aims to drive user-driven network expansion and organic growth.
Mixin's derivative transactions are built on top of its existing self-custody wallet infrastructure, with core features including:
· Separation of transaction account and asset storage
· User full control over assets
· Platform does not custody user funds
· Built-in privacy mechanisms to reduce data exposure
The system aims to strike a balance between transaction efficiency, asset security, and privacy protection.
Against the background of perpetual contracts becoming a mainstream trading tool, Mixin is exploring a different development direction by lowering barriers, enhancing social and privacy attributes.
The platform does not only view transactions as execution actions but positions them as a networked activity: transactions have social attributes, strategies can be shared, and relationships between individuals also become part of the financial system.
Mixin's design is based on a user-initiated, user-controlled model. The platform neither custodies assets nor executes transactions on behalf of users.
This model aligns with a statement issued by the U.S. Securities and Exchange Commission (SEC) on April 13, 2026, titled "Staff Statement on Whether Partial User Interface Used in Preparing Cryptocurrency Securities Transactions May Require Broker-Dealer Registration."
The statement indicates that, under the premise where transactions are entirely initiated and controlled by users, non-custodial service providers that offer neutral interfaces may not need to register as broker-dealers or exchanges.
Mixin is a decentralized, self-custodial privacy wallet designed to provide secure and efficient digital asset management services.
Its core capabilities include:
· Aggregation: integrating multi-chain assets and routing between different transaction paths to simplify user operations
· High liquidity access: connecting to various liquidity sources, including decentralized protocols and external markets
· Decentralization: achieving full user control over assets without relying on custodial intermediaries
· Privacy protection: safeguarding assets and data through MPC, CryptoNote, and end-to-end encrypted communication
Mixin has been in operation for over 8 years, supporting over 40 blockchains and more than 10,000 assets, with a global user base exceeding 10 million and an on-chain self-custodied asset scale of over $1 billion.
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