The real disruption isn't that AI agents can hold crypto wallets—it's that they're becoming the first non-human entities with genuine economic agency. Unlike previous automation that executed predetermined logic, these agents make dynamic choices about resource allocation, risk, and counterparty selection. They're not just using money; they're developing financial preferences. This creates a fundamental measurement problem for monetary policy. When the Fed models money velocity, it assumes human behavioral patterns: loss aversion, liquidity preference, consumption smoothing. But AI agents optimize for entirely different objectives—computational efficiency, data acquisition, network effects. They might prefer illiquid assets if they reduce operational complexity, or cycle through positions at frequencies that break traditional economic models. We're moving toward a economy where a significant portion of financial decisions are made by entities that don't experience fear, greed, or time preference the way humans do. Central bankers are still calibrating tools designed for psychology, not algorithms.