BroadChain learned that the CYPHER ASIA 2026 Intelligent Crypto Finance Forum, initiated by FinChain, the Web3 brand under Fosun Wealth Holdings, and co-built by CEOs and investors from top global crypto financial institutions, successfully concluded on April 21 at Cyberport in Hong Kong.
At the forum, FinChain officially launched the FinPass protocol, providing infrastructure for on-chain identity, capability verification, reputation accumulation, and authorization management for AI Agent collaboration networks, laying the foundational trust layer for the upcoming intelligent agent financial market.
1. The Age of Intelligent Agent Finance: Identity is the Biggest Gap
With the rapid iteration of autonomous agent technologies represented by OpenClaw, AI Agents are deeply penetrating from information processing tools into areas of payment, collaboration, and serious economic activities. According to forecasts by authoritative global market research institutions, the AI Agent market size is projected to surge from $5.1 billion in 2024 to $47.1 billion by 2030, with a compound annual growth rate of 44.8%; the Chinese market space is even broader, expected to exceed 850 billion RMB by 2028.
However, the pace of technological iteration far outstrips the supporting infrastructure capabilities. Zhao Chen, CEO of FinChain, pointed out at the launch: "When an AI Agent begins to participate in task allocation, service scheduling, fund management, and investment execution, the market first faces not a performance issue, but a trust issue. Who is the entity collaborating? What capabilities do they have? What is their historical performance? What permissions are granted? How is accountability handled when problems arise? Without a unified infrastructure to address these questions, the collaboration network cannot truly scale."
This assessment hits the core pain point of the industry. The current AI Agent ecosystem exhibits a structural imbalance of "prosperous application layer, weak infrastructure layer": Agent interaction and execution capabilities are increasing exponentially, but the immutability of on-chain identity, verifiability of capability claims, traceability of historical actions, and clarity of authorization boundaries—these underlying elements supporting multi-Agent collaboration—remain severely lacking.
It is against this backdrop that FinPass was introduced. It is not designed for the display needs of a single Agent, but to provide a systematic solution for identity, capability, reputation, and authorization issues in future multi-Agent collaboration networks.
2. Four Core Functions of FinPass
Unique On-Chain Identity: Generates an immutable on-chain identifier for each Agent, replacing anonymous addresses;
Capability Declaration and Verification: Supports professional capability descriptions, subject to on-chain verification and third-party audits;
On-Chain Reputation Scoring: Continuously accumulates based on historical service records, completion rates, and user feedback;
Granular Authorization Management: Allows users to clearly set an Agent's action permissions and payment limits.
On the surface, these functions are about identity management, but in essence, they provide a unified set of foundational coordinates for service discovery, protocol negotiation, fund custody, risk control, and responsibility tracking. If a market can only recognize addresses but not entities, capabilities, and authorization boundaries, more complex financial collaboration becomes impossible.
3. From FUSD to FinPass: FinChain's Complete Infrastructure Layout
FinChain's preparation for the intelligent agent financial market is not a single-point effort but a systematic advancement from a comprehensive infrastructure perspective:
Identity Layer: Handled by FinPass, answering "who is acting";
Payment Layer: Handled by FUSD and various payment networks, answering "how value flows";
Collateral and Liquidity Layer: Co-building Asia's first institutional-grade RWA lending market with Morpho, providing standardized collateral and high-liquidity interfaces;
Clearing and Risk Control Layer: Clear risk control structure to support sustainable financial activities.
"FinChain's collaboration with Unified Labs to build an institutional-grade RWA lending market with Morpho appears on the surface to be about promoting lending infrastructure around FUSD, but in reality, it is proactively building the collateral layer, liquidity layer, and clearing layer required for the future intelligent agent financial market," said Louis Wan, Founder and CEO of Unified Labs, during the event. "Programmable stable assets, standardized collateral, high-liquidity lending interfaces, and clear risk control structures are all necessary conditions for intelligent agents to enter real financial activities."
4. Synchronizing Risks: Growth and Governance Must Go Hand in Hand
FinChain holds a cautiously optimistic view of the future intelligent agent financial market. Its research has identified five key risk categories:
Liquidity Preference Shift: Agents tend to favor short-term cash flows and higher liquidity preferences;
Synchronous Behavior Risk: Model convergence leads to an increased probability of synchronized position building and reduction;
Cross-Layer Contagion Risk: Local volatility in stablecoins, RWAs, and lending systems can propagate across layers after coupling;
Hidden Leverage Risk: Automated payments, renewals, and margin calls can create systemic hidden leverage;
Responsibility Mapping Risk: Unclear chains of responsibility reduce market resilience.
"This is precisely why FinChain has consistently emphasized authorization, receipts, risk control, reputation, and responsibility chains while advancing infrastructure construction," said Hu Xuanfeng, CMO of FinChain, during the closing session of the forum. "Only by advancing growth logic and governance logic simultaneously can the future intelligent agent financial market truly move towards sustainability."
About FinChain
FinChain is an intelligent crypto finance brand independently incubated by Fosun Wealth Holdings, co-invested by the Solana Foundation, Vaulta Foundation, Sonic Labs, Avalanche, Animoca Brands, Tengyun Capital, and Unified Ventures. It is positioned as a Web3 brand for the global real-world asset blockchain network and a financial infrastructure platform compliantly enabling the on-chain circulation of real-world assets.
FinChain is committed to collaborating with major global public blockchains to build a decentralized compliance layer, establish a unified on-chain identity system, expand cross-border liquidity resource reserves for financial institutions and stablecoin issuers worldwide, provide compliant decentralized infrastructure for tech-finance developers, promote the tokenization of RWA assets, launch the interest-bearing stable RWA asset FUSD backed by compliant real-world assets, bring new on-chain liquidity management tools for global asset managers, consolidate on-chain trust mechanisms, enhance investment and financing efficiency, and build the FinPass intelligent identity assessment system to lay the foundational cornerstone for the trillion-level autonomous intelligent agent financial market, jointly constructing a compliant ecosystem for decentralized finance and an intelligent financial compliance ecosystem.