Picture this: your crypto wallet doesn’t just store your tokens; it books your flight, cancels your unused subscriptions, and buys ETH when the gas is low. Sounds a bit sci-fi? It’s not. Thanks to ERC-7720, we’re now flirting with a world where wallets are no longer just tools, but teammates with initiative.

Let’s unpack what ERC-7720 is, why it matters, and how platforms like LYNC are paving the road for these AI-driven financial companions.

What Is ERC-7720 and Why It Matters

ERC-7720 is a proposed Ethereum standard designed to give AI agents permissioned access to perform on-chain transactions on your behalf. Think of it as a secure way to hand over your wallet’s keys, but only for specific tasks and only within your control.

Just like ERC-20 created the standard for fungible tokens and ERC-721 brought NFTs to life, ERC‑7720 introduces time‑locked token transfers, transforming token behavior by allowing users to schedule when tokens can be accessed or released.

In short, this could be the standard that makes wallets smarter, and your financial life a whole lot smoother.

Major Players Are Going All-In on AI Finance

We’re at a fascinating crossroads. While the number of AI agents actively completing financial transactions today is still small and experimental, the momentum behind the movement is anything but minor.

In the past year:

Visa gets agent-friendly: In May 2025, Visa announced partnerships with OpenAI, Anthropic, and Microsoft to enable AI agents to make purchases directly through its network. The idea? Agents can act within defined spending limits, shopping on your behalf with no human checkout required.

PayPal builds for the agent economy: Just a month earlier, PayPal launched its Agentic Commerce Toolkit and Model Context Protocol. These tools let developers build AI agents capable of managing invoices, tracking packages, and even completing purchases securely. It’s a big step toward turning everyday apps into autonomous money movers.

Coinbase gets “Based” on AI: In late 2024, Coinbase unveiled Based Agent, a tool for spinning up AI crypto agents in under three minutes. These agents can execute trades, handle token swaps, and even stake assets, all without the user clicking a button. Earlier that year, Coinbase reported the first successful AI-to-AI crypto transaction using USDC on the Base network.

The message is loud and clear: the biggest names in finance and tech are laying the foundation for an AI-powered payments future. But for agents to act independently, they need wallet architecture that supports autonomy and trust. That’s where ERC-7720 enters the picture.

What Makes ERC-7720 Different

The standout feature of ERC-7720 is delegated authority. You don’t hand over full control, but assign specific tasks, with clear boundaries:

• Let this AI cancel subscriptions under $20/month

• Allow token swaps during off-peak hours

• Permit auto-purchases when certain price conditions are met

It’s about trust, with guardrails. This lets users benefit from automation without giving up peace of mind. In a space often marred by scams and user error, that’s a big win.

Differences between ERC-4337 and ERC-7720

From Passive to Proactive: Wallets That Actually Help

Your wallet used to wait for instructions. Now it can finish the to-do list before you even ask.

• Smart Subscription Cleanup: Still paying for that workout app you used twice in January? Your AI agent spots the inactivity and cancels it for you.

• Effortless Travel Planning: No more calendar reminders or flight alerts. Your AI watches your schedule and snags the best ticket deal right on time.

• Budgeting Without the Mental Load: Your AI sees your bills piling up and smoothly shifts funds from your brunch budget to your savings, all without spreadsheets.

The Real Bottleneck: Wallet Complexity

Using crypto still isn’t as easy as it should be. A 2023 ConsenSys survey found that 79% of users cite wallet complexity as a major barrier to adoption. And Chainalysis reported over $100 million in losses in 2022 alone from failed transactions tied to poor UX and gas mistakes.

AI wallets could take that pressure off. No more copy-pasting wallet addresses or panicking over gas fees. The wallet just… works.

How LYNC Is Changing the Game

LYNC is building the infrastructure that helps agentic payments thrive, especially on mobile. Our platform is designed for programmable, stablecoin-enabled transactions, which serve as the foundation for how AI agents move value efficiently and securely. We provide: 

• Seamless Wallet Onboarding

Users can create smart wallets in just a few taps, often without even realizing it. This low-friction experience makes it easier for AI agents to step in and perform tasks on a user’s behalf.

• Developer-First Infrastructure

We provide flexible APIs and tools that help developers integrate wallet features, automate transactions, and customize logic based on user behavior. Whether you’re building a chatbot that pays bills or a finance app that automates budgeting, LYNC makes it simple.

• Optimized for Mobile and Global Reach

In regions where mobile is the primary method of accessing financial services, LYNC ensures that stablecoin-powered transactions are fast, affordable, and reliable.

We believe that ERC-7720 aligns perfectly with our mission: to make digital wallets more useful, intuitive, and intelligent. By supporting this standard, we’re helping to unlock new possibilities for agentic finance.

Hurdles We’ll Still Need to Clear

It’s not all autopilot just yet. Here’s what still stands between us and truly intelligent finance.

• Security: Giving agents wallet permissions must come with tight safety rails like instant alerts and expiration timers.

• Regulation: If an agent buys something it shouldn’t, who’s liable? Lawmakers will need to catch up fast.

• User Trust: Wallet interfaces must be intuitive, and users need to be educated. Otherwise, adoption will stall.

Wrapping It Up

ERC-7720 is more than just another Ethereum proposal. It’s a step toward wallets that anticipate your needs and handle tasks for you. AI is already changing how we write, shop, and create, and it’s about to change how we manage money. With the right tools and infrastructure, agentic payments can make financial life smoother, safer, and smarter. LYNC is making this future real. So next time you forget to cancel that free trial or miss a flight deal, remember: your wallet might soon have your back.

That’s not just the future of Web3. That’s the beginning of wallets that work with you.