Gary Liu on Stablecoins, AI Security & the Future of Crypto

In this episode of Bitcoin.com News Interviews, host Hapōen sits down with Gary Liu, co-founder and CEO of Terminal 3, in Tokyo to discuss the rapidly evolving landscape of stablecoins, AI security, and the future of crypto. Liu provides a nuanced view of the current crypto market, noting that while traditional Bitcoin maximalists may feel disillusioned by the rise of regulated stablecoins and institutional adoption, he sees this as a pivotal moment for decentralization’s mainstream integration. He emphasizes that the real opportunity lies in the convergence of AI agents and blockchain infrastructure, particularly around secure, auditable, and identity-verified agent-to-agent transactions. Liu details Terminal 3’s AI security stack—focused on verifiable identities, cryptographic authorization, decentralized data protection, and immutable audit trails—and highlights the urgent need for governance as AI agents proliferate in enterprise environments. He warns of existential risks from AI-driven fraud, espionage, and deepfakes, while also noting that the U.S. dollar’s dominance through stablecoins like USDC and Tether could lead to 'stablecoin colonization' in developing nations. The conversation shifts to Japan, where Liu praises the JFSA’s proactive stance on digital identity and regulation, urging Japan to accelerate its innovation pace, attract local talent, and lead Asia’s tech evolution independently of U.S. influence.