发表机构
UCL Institute of Finance & Technology（伦敦大学学院金融与技术研究所）
机构由 AI 辅助整理，请以论文原文为准。AI 中文总结
本文提出代理间金融概念，利用区块链可编程结算、智能钱包、去中心化注册表和可验证计算解决自主AI代理在身份、授权、支付、验证、声誉和问责方面的协调摩擦，强调有限自主权设计。
AI 中文摘要
自主AI代理开始占据分析工具与交易对手之间的位置。它们可以解释目标、调用外部工具、与其他代理协商、访问数据和计算，并在某些情况下发起支付或区块链交易。这一发展为金融市场带来了独特的问题：如果软件代理可以经济地行动，市场参与者就需要身份、授权、支付、验证、声誉和问责的基础设施。本文发展了代理间金融的概念，将其作为机器介导的金融交互层，其中自主代理发现对手方、购买服务、表达交易意图、执行支付并生成可审计证据。论点并非区块链是金融的通用基础，而是可编程结算、智能钱包、去中心化注册表和可验证计算可以解决自主代理带来的特定协调摩擦。借鉴近期关于区块链A2A支付、ERC-8004代理注册表、基于来源的钱包、确定性推理、DeFi意图挖掘以及金融服务中AI采用的官方证据，本文将代理间金融定位为一种新兴的金融市场基础设施形式。它认为决定性的设计问题是有限自主权：如何让代理交易而不使市场更加不透明、脆弱或不负责任。
英文摘要
Autonomous artificial intelligence (AI) agents are beginning to occupy a position between analytical tools and transacting counterparties. They can interpret goals, call external tools, negotiate with other agents, access data and computation, and in some settings initiate payments or blockchain transactions. This development creates a distinct problem for financial markets: if software agents can act economically under delegated authority, market participants need infrastructure for identity, authorisation, payment, verification, reputation and accountability. This chapter develops the concept of agent-to-agent finance as the layer of machine-mediated financial interaction in which autonomous agents discover counterparties, purchase services, express transaction intent, execute payments and generate auditable evidence. The argument is not that blockchain is a universal substrate for finance, but that programmable settlement, smart wallets, decentralised registries and verifiable computation can address specific coordination frictions created by autonomous agents. Drawing on recent work on blockchain agent-to-agent payments, ERC-8004 agent registries, provenance-based wallets, deterministic inference, decentralised finance (DeFi) intent mining, and official evidence on AI adoption in financial services, the chapter situates agent-to-agent finance as an emerging form of financial market infrastructure. It argues that the decisive design question is bounded autonomy: how to expand the set of economic actions that agents can safely perform without making markets more opaque, fragile or unaccountable.
Comments24 pages, 3 figures, 7 tables. Revised version
