In the past two years, as a practitioner in the fields of the Internet and blockchain, I have personally witnessed the disruptive power of AI technology in reshaping the global industrial landscape. From the rapid advancement of autonomous driving technology, to the intelligent customer service achieving highly efficient 7×24 operation, from AI painting and writing tools revolutionizing the creative model, to the medical field leveraging AI for accurate disease diagnosis and prediction, and programmers using AI for full-stack efficient development, AI has permeated all sectors of society, driving the accelerated transformation of traditional industries.

Amidst this wave of technological development, the integration of blockchain and AI has also unleashed enormous potential. The decentralized and tamper-proof characteristics of blockchain and the data processing and intelligent analysis capabilities of AI empower each other, giving rise to numerous innovative application scenarios. Among them, the digital wallet, as an important gateway to the blockchain ecosystem, particularly merits attention for its application of AI technology. With the development of the industry, digital wallets are no longer confined to simple asset storage and transaction functions. Instead, through deep integration with AI, they are gradually evolving into intelligent and personalized financial service platforms.

In March this year, I wrote the article titled “Rethinking the Paradigm Revolution of Digital Wallets:From Asset Management Terminals to AI — Driven Financial Operating Systems”, which analyzed the development trends of digital wallets and their integration with AI technology. After the article was published, I received a lot of feedback and exchanges from my peers, which made me realize the high level of attention the industry has for the topic of AI empowering digital wallets. In fact, the industry dynamics two months later have confirmed the judgment in the article about AI driving the transformation of the digital wallet model.

At the Web3 Carnival held in Hong Kong in April this year, a large number of innovative digital wallets made their collective debut, serving as an important barometer of industry development. These products are no longer limited to traditional asset management functions but are deeply integrated with AI technology. Some digital wallets achieve intelligent interaction through AI, greatly shortening the user interaction path; other products leverage AI algorithms to analyze market data in real time, providing users with transaction risk warnings; and there are even innovative attempts to achieve personalized asset allocation and automated investment decisions based on user profiles. These practices indicate that the integration of AI and digital wallets is accelerating the industry’s iterative development.

As early as when participating in the research and development of decentralized wallet products, our team conducted a systematic review of its architecture. With the continuous deepening of AI technology applications in the digital wallet field, the original architecture can no longer meet the needs of industry development. Incorporating “Integration and Simplification Facilitated by AI” into the digital wallet architecture is not only in line with the technological development trend but also an inevitable choice for enhancing the user experience. Through this layer, digital wallets can more accurately identify user needs, simplify complex financial operation processes, and achieve efficient asset management and risk prevention and control.

Based on these practical experiences and industry observations, I have comprehensively upgraded the original digital wallet architecture diagram. The new architecture diagram takes “Integration and Simplification Facilitated by AI” as a separate layer, clearly presenting the positioning of AI in the digital wallet architecture and its collaborative relationship with other layers. I hope this architecture diagram can provide a reference for industry colleagues, and I look forward to further exploring the development direction of digital wallets in the AI era with everyone. In the future, I will conduct a detailed interpretation of each layer of the architecture diagram and analyze the specific implementation paths of AI empowering digital wallets. I also welcome everyone to communicate with me at any time.

Also attached: An old version of the feature list compiled a few years ago

In the past two years, as a practitioner in the fields of the Internet and blockchain, I have personally witnessed the disruptive power of AI technology in reshaping the global industrial landscape. From the rapid advancement of autonomous driving technology, to the intelligent customer service achieving highly efficient 7×24 operation, from AI painting and writing tools revolutionizing the creative model, to the medical field leveraging AI for accurate disease diagnosis and prediction, and programmers using AI for full-stack efficient development, AI has permeated all sectors of society, driving the accelerated transformation of traditional industries.

Amidst this wave of technological development, the integration of blockchain and AI has also unleashed enormous potential. The decentralized and tamper-proof characteristics of blockchain and the data processing and intelligent analysis capabilities of AI empower each other, giving rise to numerous innovative application scenarios. Among them, the digital wallet, as an important gateway to the blockchain ecosystem, particularly merits attention for its application of AI technology. With the development of the industry, digital wallets are no longer confined to simple asset storage and transaction functions. Instead, through deep integration with AI, they are gradually evolving into intelligent and personalized financial service platforms.

In March this year, I wrote the article titled “Rethinking the Paradigm Revolution of Digital Wallets:From Asset Management Terminals to AI — Driven Financial Operating Systems”, which analyzed the development trends of digital wallets and their integration with AI technology. After the article was published, I received a lot of feedback and exchanges from my peers, which made me realize the high level of attention the industry has for the topic of AI empowering digital wallets. In fact, the industry dynamics two months later have confirmed the judgment in the article about AI driving the transformation of the digital wallet model.

At the Web3 Carnival held in Hong Kong in April this year, a large number of innovative digital wallets made their collective debut, serving as an important barometer of industry development. These products are no longer limited to traditional asset management functions but are deeply integrated with AI technology. Some digital wallets achieve intelligent interaction through AI, greatly shortening the user interaction path; other products leverage AI algorithms to analyze market data in real time, providing users with transaction risk warnings; and there are even innovative attempts to achieve personalized asset allocation and automated investment decisions based on user profiles. These practices indicate that the integration of AI and digital wallets is accelerating the industry’s iterative development.

As early as when participating in the research and development of decentralized wallet products, our team conducted a systematic review of its architecture. With the continuous deepening of AI technology applications in the digital wallet field, the original architecture can no longer meet the needs of industry development. Incorporating “Integration and Simplification Facilitated by AI” into the digital wallet architecture is not only in line with the technological development trend but also an inevitable choice for enhancing the user experience. Through this layer, digital wallets can more accurately identify user needs, simplify complex financial operation processes, and achieve efficient asset management and risk prevention and control.

Based on these practical experiences and industry observations, I have comprehensively upgraded the original digital wallet architecture diagram. The new architecture diagram takes “Integration and Simplification Facilitated by AI” as a separate layer, clearly presenting the positioning of AI in the digital wallet architecture and its collaborative relationship with other layers. I hope this architecture diagram can provide a reference for industry colleagues, and I look forward to further exploring the development direction of digital wallets in the AI era with everyone. In the future, I will conduct a detailed interpretation of each layer of the architecture diagram and analyze the specific implementation paths of AI empowering digital wallets. I also welcome everyone to communicate with me at any time.

Also attached: An old version of the feature list compiled a few years ago