Ep. 749 Coinbase’s Head of AI Explains the Future of Agentic Finance

In this episode of the Crypto 101 Podcast, Lincoln Murr, Head of AI Product at Coinbase, explains how Coinbase is building financial infrastructure for AI agents. He breaks down X402, a payment standard that allows AI agents to spend money online using crypto rails, especially USDC on Base, without relying on credit cards, subscriptions, or traditional payment workflows. The conversation covers agent wallets, machine-to-machine payments, microtransactions, Coinbase Advisor, agentic trading, premium data access, and why Coinbase wants to become the backbone of the agentic economy.

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Chapters

00:00 Intro

03:45 - How Lincoln got into crypto as a kid

04:45 - Building AgentKit and X402 at Coinbase

06:40 - How X402 lets AI agents pay online

09:05 - Microtransactions and machine-to-machine payments

11:45 - Why legacy payment rails do not work for AI agents

13:15 - AI agents running businesses and DAOs

14:40 - Coinbase Advisor and AI-powered money management

17:10 - Democratizing access to financial advice

22:05 - Agentic trading with Coinbase and Hyperliquid

24:50 - Could AI make markets more fragile?

27:20 - X402 as a marketplace for crypto data

33:10 - USDC, Base, and payment network support

40:50 - Coinbase as the backbone of the agentic economy

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