Speaking in an exclusive interview with AIBC, Low said stablecoins are no longer simply digital assets used for crypto trading but are increasingly being adopted as a settlement layer for cross-border payments.
“Stablecoin infrastructure will be the future. It is already happening,” Low said. “In the near future, a lot of countries will actually be using stablecoins as a settlement layer to do cross-border settlements on the backend.”
Low said financial institutions are moving beyond AI chatbots towards AI agents capable of initiating transactions, managing workflows and analysing large volumes of historical data. While these systems can improve efficiency, he said accountability will become one of the sector’s biggest challenges.
He said auditability, authority and responsibility would need to be clearly defined as AI takes on greater operational roles in financial services.
At the same time, Low believes organisations that adopt AI effectively will gain a competitive advantage. “AI cannot replace humans completely, but it can replace humans that have zero experience in AI,” he said.
According to Low, smaller teams equipped with AI tools can now perform work that previously required much larger organisations, allowing businesses with AI expertise to compete more effectively.
Looking ahead, Low identified banking orchestration and embedded finance as key areas of growth.
He said Biptap has developed AI-powered banking capabilities that allow AI agents to open bank accounts and carry out financial activities for users within predefined limits. Stablecoins, he added, could become the preferred payment method for these automated systems.
“AI agents, banking and stablecoins, I believe this will be the future,” Low said. He said AI agents could eventually support activities such as trading, e-commerce transactions, media buying and lead generation on behalf of users.
Low also expects prediction markets to become a more significant part of financial innovation as investors and businesses increasingly rely on data-driven forecasting.
“Prediction markets are going to be very important in the future,” he said.
He said prediction platforms are already influencing discussions around elections, geopolitical events and financial markets, adding that exchanges and digital platforms are showing increasing interest in launching similar products.
The prediction market sector has expanded rapidly over the past year, with platforms such as Polymarket drawing higher trading volumes and broader attention from investors. Industry observers have also noted growing interest from exchanges and fintech companies exploring event-based trading products, although the sector continues to face regulatory scrutiny in several jurisdictions.
Low said the combination of AI agents, embedded finance and stablecoins is likely to shape the next phase of financial innovation, while prediction markets could emerge as another important data source for businesses and investors making strategic decisions.
