AI重塑DeFi:从SaaS化困境到Agent驱动的金融范式迁移

AI Reshapes DeFi: From the SaaS Dilemma to Agent-Driven Financial Paradigm Shift

BroadChainBroadChain04/20/2026, 01:16 PM
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Summary

BroadChain learned that at 13:16 on April 20, according to PANews, AI is disrupting the traditional software paradigm with a 'capability-as-a-service' model, whose core lies in distilling human organizational patterns and professional expertise into scalable, replicable Agent Skills. This process is accompanied by an explosive growth in Token usage—data shows that the daily Token usage in the Chinese market has surged from 100 billion in 2024 to the current 140 trillion, signaling the dawn of a zero-cost era for content and data production. The trend of Token cheapening is difficult to halt by computing power monopolies, while the DeFi sector has already shown clear signs of a SaaS dilemma: protocols can only charge based on transaction frequency, failing to...

BroadChain has learned that at 13:16 on April 20, according to PANews, AI is disrupting the traditional software paradigm with the "capability as a service" model, whose core lies in refining human organizational patterns and professional capabilities into scalable and replicable Agent Skills. This process is accompanied by an explosive growth in Token call volumes—data shows that the daily Token call volume in the Chinese market has surged from 100 billion in 2024 to the current 140 trillion, signaling the dawn of a zero-cost era for content and data production. The trend of Token cheapening is difficult to halt by computing power monopolies, while the DeFi sector is already showing clear signs of SaaS-related challenges: protocols can only charge based on transaction frequency, failing to achieve the on-chain migration of the essence of finance, and facing difficulties in monetizing data value, such as the Dune API paywall and the shutdown of Arkham Exchange. The path of integration between AI and DeFi is gradually becoming clear: on one hand, by mimicking human trading behaviors, Agents can surpass human capabilities in capital efficiency and rule execution, driving DeFi from information authorization to comprehensive fund usage rights; on the other hand, security frameworks like Mythos, combined with AI real-time detection, are expected to provide dynamic security for smart contracts. Tokenomics is evolving accordingly—from PoW's computing power credentials and PoS's yield discounts, to new value carriers anchored by "return on capital" and precisely distributed through channels. Currently, DeFi data has not been systematically trained by AI, but the actual transfer of fund usage rights has become the inevitable next wave of AI transforming DeFi.