2026 will see forward-thinking organisations building out their squads of AI agents across roles and functions. But amid the rush, there is another aspect to consider.
One of IDC’s enterprise technology predictions for the coming five years, published in October, was fascinating. “By 2030, up to 20% of [global 1000] organisations will have faced lawsuits, substantial fines, and CIO dismissals, due to high-profile disruptions stemming from inadequate controls and governance of AI agents,” the analyst noted.
How do you therefore put guardrails in place – and how do you ensure these agents work together and, ultimately, do business together? Patrick Tobler, founder and CEO of blockchain infrastructure platform provider NMKR, is working on a project which aims to solve this – by fusing agentic AI and decentralisation.
The Masumi Network, born out of a collaboration between NMKR and Serviceplan Group, launched in late 2024 as a framework-agnostic infrastructure which ‘empowers developers to build autonomous agents that collaborate, monetise services, and maintain verifiable trust.’
“The core thesis of Masumi is that there’s going to be billions of different AI agents from different companies interacting with each other in the future,” explains Tobler. “The difficult part now is – how do you actually have agents from different companies that can interact with each other and send money to each other as well, across these different companies?”
Take travel as an example. You want to attend an industry conference, so your hotel booking agent buys a plane ticket from your airline agent. The entire experience and transaction will be seamless – but that implicit trust is required.
“Masumi is a decentralised network of agents, so it’s not relying on any centralised payment infrastructure,” says Tobler. “Instead, agents are equipped with wallets and can send stablecoins from one agent to another and, because of that, interacting with each other in a completely safe and trustless manner.”
For Tobler, having spent in his words ‘a lot of time’ in crypto, he determined that its benefits were being pointed to the wrong place.
“I think there’s a lot of these problems that we have solved in crypto for humans, and then I came to this conclusion that maybe we’ve been solving them or the wrong target audience,” he explains. “Because for humans, using crypto and wallets and blockchains, all that kind of stuff is extremely difficult; the user experience is not great. But for agents, they don’t care if it’s difficult to use. They just use it, and it’s very native to them.
“So all these issues that are now arising with agents having to interact with millions, or maybe even billions, of agents in the future – these problems have all already been solved with crypto.”
Tobler is attending AI & Big Data Expo Global as part of Discover Cardano; NMKR started on the Cardano blockchain, while Masumi is built completely on Cardano. He says he is looking forward to speaking with businesses that are ‘hearing a lot about AI but aren’t really using it much besides ChatGPT’.
“I want to understand from them what they are doing, and then figure out how we can help them,” he says. “That’s most often the thing missing from traditional tech startups. We’re all building for our own bubble, instead of actually talking to the people that would be using it every day.”
Discover Cardano is exhibiting at the AI & Big Data Expo Global, in London on February 4-5. Watch the full video interview with NMKR’s Patrick Tobler below:
