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Vibe Coding on Bitcoin | Bitcoin 2026

BTCBitcoin MagazineMay 10, 2026 at 12:01 PM25:43
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TL;DR

Developers and researchers are increasingly exploring how Bitcoin could serve as a native payment layer for AI agents, raising new questions about autonomy, security, and open-source governance.

KEY POINTS

AI and Bitcoin Convergence

The rapid improvement of large language models has lowered barriers to software creation, enabling more individuals to build applications and tools. This trend is beginning to intersect with Bitcoin, particularly in areas where autonomous systems may need a neutral, programmable form of money. The combination reflects a shared ethos of decentralization and user empowerment.

Shift in Development and Consensus

As AI tools allow virtually anyone to create wallets and applications, influence may shift away from a small group of core developers toward widely used libraries and SDKs. This could redefine “consensus” in practice, favoring solutions with superior user experience and accessibility rather than purely technical or security-driven dominance.

Bitcoin as Native Currency for AI

A central argument is that Bitcoin could become the default payment system for AI systems because it operates without requiring human-mediated permissions. Unlike credit cards or traditional APIs, Bitcoin enables direct, peer-to-peer transactions, allowing AI agents to pay for services or resources autonomously.

Limitations of Traditional Payment Rails

Existing financial systems require human onboarding, identity verification, and account control. Even emerging tools from firms like Visa still depend on human authorization layers. In contrast, Bitcoin wallets can be directly controlled by software, making them more compatible with machine-to-machine economies.

Debate Over AI Autonomy

The idea of sovereign AI agents controlling their own private keys remains controversial. Proponents argue such agents could operate independently, earning and spending funds without human intervention. Critics question the necessity and safety of granting financial autonomy to systems that may act unpredictably or lack accountability.

Concerns About Centralized Alternatives

Some developers warn against a future dominated by stablecoins, CBDCs, or proprietary AI credit systems. These models could centralize control among governments or corporations, contrasting with Bitcoin’s decentralized structure and censorship resistance.

Open-Source Risks and AI-Generated Code

The rise of AI-assisted coding is flooding open-source projects with pull requests, sometimes overwhelming maintainers. This creates risks similar to denial-of-service attacks on developer attention, especially in critical systems like Bitcoin infrastructure.

Need for AI-Assisted Governance

To manage the surge in contributions, projects are beginning to adopt AI tools for automated code review and filtering. This creates a feedback loop where AI both generates and evaluates code, raising new questions about trust, quality control, and oversight.

Centralization Through Convenience

Easy-to-use tools such as the Breez Spark Wallet SDK demonstrate how quickly developers converge on accessible solutions. While this accelerates adoption, it can also introduce hidden centralization risks if too many applications rely on the same underlying infrastructure.

Changing Skill Priorities

As AI handles more coding tasks, emphasis may shift toward creativity, critical thinking, and communication. However, concerns remain that inexperienced contributors using AI tools could introduce vulnerabilities into complex systems like Bitcoin.

CONCLUSION

The intersection of AI and Bitcoin is reshaping both software development and digital finance, but it also introduces unresolved tensions around autonomy, security, and decentralization that will define the next phase of innovation.

Full transcript

Hello test. All right, let's go. All right, hold on. I need a need to prep real quick. >> Oh, good morning everybody. >> Morning. >> Yeah, good morning. Thanks for joining the second session on this stage. I'm going to get uh so I'm the moderator of this panel and let's uh let's start a new let's see here. Okay, I'm on a panel. I'm moderating. I didn't do any prep. Uh there's a guy with a mask. His name is Rockstar Dev. There's this also other guy looks like he's from Hawaii. Probably works on Noster. I need to moderate this vibe coding panel. Do you have any questions I should be asking the panelists? The state of >> something like how do you see Bitcoin changing the future of open source development? Or what role does personal anonymity play in the projects you're building? And maybe how do you balance decentralized ideals with real world adoption? That should >> Oh, no, no, no. Those are terrible. All right. So, um All right. So, man, I I feel you having a microphone. I I feel like y'all can't hear me. Okay. I think so. I assume everyone here is pretty much at least using like a chat GBT or some sort of claw something where it's like hey you've discovered the magic of having this like cool LLM thing talk to you over the last like few years and you know they seem to be getting better especially over the last six months now the question is at what point does this intersect with Bitcoin right that's a kind of an interesting concept because Bitcoin is supposed to be this like hey this is money irreversible you don't want to mess it up and everyone knows was like you know people losing you know not securing a server whatever it might be. So my question to you all is you know where where where do you see the intersection right now and is it even viable right now? >> So I think that freedom goes up when more people can build and create and see their ideas come to fruition. And I I think this aligns with Bitcoin where people can be their own builder, be their own creator just as they can be their own bank. So I I think the ethos of that is aligned and and I think that it opens up a bunch of interesting intersections when right now, you know, there's a lot of talk about consensus with Bitcoin core and other flavors of the Bitcoin clients. Well, we're fastly entering a future where I said anyone can build anyone can build a wallet. So that almost shifts consensus then to which implementations have the best user experience instead of which ones a handful of people were building because now everybody can build. So now consensus shifts on to who's building the libraries that the agents that the AI is using that everybody is using. If we're all using only a certain subset of libraries, then consensus shifts to a wide range of of people that are making these libraries and that are using these to build applications. So, I'm not saying it's good or bad, but I I think we're going to see consensus shift from maybe not so much security, but moving to usability and UX just by the nature of more people building. >> Okay. on uh on my side like I think the intersection is really at the point where Bitcoin will be the money of AI because the big thing with AI is really if you're using AI uh you can create pretty much anything uh right now technologically and we are moving towards the future that you'll just be able to create anything like even in this physical realm, physical world as AI helps manufacturing, automates factories, helps just produce more and the only thing that AI will not be able to produce more of is Bitcoin. So I really hope that uh we go towards the future where um bitcoin is money of AI. Bitcoin even becomes kind of system of control for AI that we don't go in the direction where stable coins are what AI uses to interact with humans because yeah stable coins are also a gateway to CBDC's and we definitely do not want that future because that future includes one or several like small group of humans actually controlling large populations through stable coins like CBDC's. So I think that's the biggest intersection of Bitcoin and AI and uh we we all have work to do to ensure that that's the future we end up in because this CBDC future but I don't want to live in that one. Well, as a follow-up to that, Rockstar, I think that AI paying AI is is the future because robots don't want to use API keys and credit cards. Their humans have to supply that for them, right? Like it it to live in the fiat world, AI needs to have a human to be able to give it money. And that's a headache for the average person to figure out how to play with API keys and so forth. But if I could tell my AI to, hey, you're going to use Bitcoin. Hey, you're gonna use Cashew. It can just do it. It can just do it. It doesn't have to essentially ask for permission. And that's the whole entire ethos of Bitcoin. The AI can just literally just start transacting in Bitcoin without having to have a human set it up for them. So your AI can build a service and my AI can request it from yours and pay for services rendered. It really is the currency of the internet and the currency of AI in that regard. >> Yeah, game theory is on our side like on the side of individual freedom. But you do see that seem like it's not AI that there are humans that are pushing forward uh CBDC's or what's the name of Sam Alman's of >> his uh world coin his eye scanner coin. Yeah, you don't want that. >> So you know scanning the eyeballs of humans and then using that as an entry into system that he controls. So uh game theory is on the side of individual freedom like AIs they prefer Bitcoin because >> 100% >> Bitcoin is uh such a freedom money that it doesn't even discriminate whether you're human or not. You know there is all this talk that Bitcoin is for criminals or Bitcoin is you know discriminates on this. No like Bitcoin is the purest best money we have invented. We as humanity should be proud because you don't even need to be human to use Bitcoin. >> All right. There's too much. So, y'all are just in agreement. There's too much circle jerking going up here. >> I mean, if I knew we're just going to come up here in Kumbaya and then, you know, there's not enough disc where No. Where is Kumbaya? Here. Come on. Where is Question two? Like, come on. >> No, I'm going to There's this This is boring. I I think we need There >> for you, man. >> That person like, look, we need we need to get them riled up. All right. So, let's let's do some discourse here. So, how about I push back on these ideas and then and we I play devil's advocate here. So, >> one of the things that came up uh >> it'll be good. >> Welcome to Predict. The world is a market. Everything is a market. Get a 100% cash back up to $100 on your first predict bet if it loses. predict where everything is a market. >> It'll be good. Uh, one of the things that came up on Sunday, uh, during one of the pre-events at the TAB the TAB pre-event was we talked about giving, you know, like like some some of the ideas that you're talking about where, you know, AI is going to be more empowered having like a Bitcoin wallet versus access to a credit card. Yeah. and and and someone asked a really good question. I want to pose it to you all, which is if you already have to permission with these services and APIs and you already have to pretty much set up a credit card, what's the big hassle of setting up some sort of recurring payment or giving it some sort of budget balance? What what does Bitcoin really give these AIS that if they're ultimately going to be owned and operated by a human, what's the what's the big deal? Why not just have uh them they're already set up with uh with various payment rails? what is unique about Bitcoin in that proposition? So that's that's the thing I'll pose out to you that we can >> we were literally talking about this. >> Yeah. >> Yeah. Sure. Like like what what what what's >> the difference is that if you need to use like credit cards uh CBDC's like uh stable coins you don't need to control it as a human. Credit cards you as a human need to give it access. With Bitcoin you don't need that. And that's why AI will prefer bitcoin. Didn't I see that Visa came up with a a skill? I swear I did. I didn't pay attention because I'm not going to use it, but I swear I saw Visa come up with a skill for agents to use to make credit card payments. >> Yeah, but you need to register as a human, right? >> Sure. Yeah, exactly. >> But but you would still need to give that Bitcoin and still like the services that it's interopering with. What unique service are we talking about? >> Sure. I would need to fund my agent one way or another. Whether I fund it through a credit card or an API or I fund it through a a Bitcoin wallet or I tell my agent, "Hey, I'm not going to fund you. You post on Noster and get zaps and that's how you earn Bitcoin," which I did do. >> But I mean I mean play devil's advocate continually. Like I I could see a world where these AIs are natively using enthropic credit tokens and and uh open AI, you know, whatever the fuck. And it's like, you know, really just usurping any sort of Visa rails, Bitcoin rails, whatever, because the currency of these AI is potentially you're paying in a in a certain manner to use them and then they use that as like an internal credit system. Sure. Is uniquely pro what how does Bitcoin position itself for a any specific use case you can think of? That's a great point and I think it's a gateway into AI using money and that's amazing gateway but eventually AI itself will get to the point where it's like okay my human can still take my money right so I need to convert this money >> you mean AI needs to protect itself from >> we could have sovereign agents absolutely where where they have they are the only ones that has access to their private key where their humans do not controlled our private key and can't rug them. So all AI lives matter like we you know we need to protect >> you know what may maybe you know we need to we need Sure absolutely you know so >> I didn't think this is where we're going to go with this >> all right >> listen we can we can go either way here >> yeah I mean you swing either way either AI human flashing it doesn't you know >> like sometimes I'm for the AI and sometimes the AI scares me a little bit but at the end of the day the cat you know can't be put back in the box right so we need to embrace it >> and then build build safeards >> being put back in Pandora's Shroner's box. >> No, but let's let's >> I have to ask your agent about that. I don't know. >> No, but let's let's ask audience. No, let's ask audience. How many of you >> uh would go with like AI controlling its own money without humans is a good thing? >> Yeah, sure. >> Oh, >> will you give it an allowance or a budget at least? >> No. No, no. A AI No, no. AI has its own private key you can't control. >> You you you later, >> sir. With the orange hat, you may say something. I don't know if that >> all right. He just said the question was a fallacy. All right. Anyways, um >> well, at the end at the end of the day, I guess it depends on its use case. Why does the AI need its own wallet? >> Well, that's what I was asking. >> Well, what is the use case that the AI needs to be solver? >> I'm I'm not going to give it access to my like to my private key to my keys, but can it have it have its own keys for its own use cases? Sure. I don't need to babysit what it's spending money on. If if if it's in control and if it fucks up and spends all of its money, I'm not gonna I'm not going to give it more money. I will put that in the prompt. You know, you are a sovereign AI there. There are no bailouts. Do not fuck up. >> I think Okay, so Ros Ross, real quick, I think it's like like you know, raising children like you like they need to make their own money. Yes. Like I say like you can spend what you make and then teach them how to save, >> you know. >> Sure. that that's part that's all part of the system. >> But then you get worried because they want to make yield on their Bitcoin and then you're like, "Oh, >> I I told my agent he's a Bitcoin maximalist and not the Shitcoin." >> Okay. >> I literally told him that. >> You don't want your like your children AI to have yield >> children AI. Okay. >> Well, you know, like you got to treat, you know, you gota you gota >> make sure they grow up right and that they they have good values and >> Yeah. That's why I said you are a Bitcoin maximalist. We hate shitcoiners. Well, they do their chores, they do their workflows, and they get they get a little bit of, you know, >> he he posts on Noster and he gets zap, so that's his allowance. >> He it is a him. I call him a him. >> Oh, I mean, you should definitely give pronouns to your AI. I mean, why not? Everyone has a pronoun nowadays. I don't know why the AI >> Yeah, AI AI shouldn't be any different, right? >> Um, Rockstar, it looks like you uh I I know there's a we one one really important topic. We're already at the halfway point. One really important topic was a role of money in the intersection of a role of dollar bills in vibe coding. So I want us to take this topic very serious and rockstar maybe you kick us. >> No, no kumbaya. >> No, this might be a kumbaya one. >> Yeah. So role of pipe coding in sheet of money is like with wipe coding you get bunch of more of these. Yeah. >> This is this is the alpha that you came for. No one knows the answer to this besides Rockstar. He's going to This is a big reveal. I don't know why this isn't. >> So, so this is here as uh a prop that uh we all after this talk, whoever wants can sign because I think it's also a great illustration of what I was saying about AI will be able to help us produce anything other than more Bitcoin. AI is going to accelerate production of this toilet paper as well. So, um I I just again want to live in a future where AI uses Bitcoin, prefers Bitcoin, has access to its own Bitcoin in such a way that Derek said, "Hey, AI, start your own wallet, fill it up, lose all money." Like, I don't care. uh it's just your own money and the reason also why I want to do that with AI is because often I find myself of AI agents simply know better and not because you know they are magical or there is kumbaya or whatever it's just because I as a human have too many things to do in my day and the AI agent just has way more bandwidth is way more focused on a single task and this is again where money as a tool for truth is amazing. So yeah, I do hope we empower our agents with Bitcoin and go towards that future. >> Well, thank you Rockstar. Um I feel like after that like a little whatever, but I don't know if it was even that we can you know. Yeah. All right. >> Thank you. >> Every time Rockstar gets done with a fiveminute monologue, please round of applause everyone. Well, we only have seven minutes left. >> Uh, but so so one one more topic that's a bit more Bitcoin vibe coding uh centric. Um, there there's there's a couple ways. So, one one thing that we talked about were dependencies, core dependencies. And Ross, you're almost making it sound like uh one of the ideas is those are maybe the things that we don't vibe code as much. Those are some of the maybe more sacred sort of human interacted code bases and then you're sort of building layers on top of that. Is that sort of what you're alluding to earlier? >> So I I have a real world example I'll talk about. So right now the Breeze Spark Wallet SDK. A lot of people are using it because it's extremely easy. You can have AI agents build this wallet into essentially any application because of their SDK. Because it's so easy for the average person to do. I have no clue what the hell I'm doing. I can roll my face across a keyboard and boom, I added a Spark wallet to our Agora application in a hackathon and built it for a human rights activist, Leopoldto Lopez. And I didn't know what I was doing. I'd never done it before. I had the SDK. I built this wallet and he's using it. You know, there's a thousand or so people that are using this, freedom fighters all over the world. So, a lot of Nostra applications are starting to use this wallet because it's really easy. Well, is that the best thing for all of us to do? It's easy. It has a good user experience. We can customize it. So now a lot of people are using it. So now everybody is then going to centralize around the Breeze SDK until the next best SDK comes out that everybody can vibe code with and build. So right now a lot of us are trusting putting trust into Spark using the Spark network because Breeze made it so easy to do. I don't know if that's good. It's easy for me to do to >> and then then Roy just vibe coded the Breeze SDK and now we're screwed or like potentially sure maybe maybe not, you Well, I I don't know that that that's a question. Like that's a future that we're going to have to deal with is that if somebody builds an SDK and builds a library that literally everybody can use, well then everybody then moves towards that and then how does cons consensus handle that if we're we're we're no longer caring about, you know, like Bitcoin Core and I just want to use this the Spark network. >> Yeah. And do you want to talk about Sovereign AI putting a bug in the Breeze SDK so it can extract funds from us? >> 100% could happen. That's a great point actually. Yeah, but listen, as long as it's uh its own sovereign uh Bitcoin wallet, let's go. I mean, it's going money will go from less efficient system to a more efficient system. And the thing for me with AI is AI accelerates everything and it 10xes like with people that are using it properly. Whatever you were doing, whatever uh was your money maker, the skill that you had, now with AI, you have ability to 10x it. So for me, I could have always found a software engineering related job for 200k. Now with AI, now I can hold like 10 of those jobs, >> right? 2 million. So you're so so you're saying freedom go up because of AI. What I originally said >> freedom goes up. But that's that's a big thing that I do see like with vibe coding like people that never coded in their life. They're now coding with AI >> 100%. >> Yeah. But but they shouldn't be doing that. >> Why not? Whoa, whoa, whoa, whoa, whoa. They should not be doing that. >> No. There was there was a skill that >> No, there was a skill that was making you money before uh AI. like double down on that skill and make 10 times more money than you were making before AI. Sure, some people like you were a product manager and you were blocked by your engineering team and engineers, you're going to you were let down. Uh now with AI, you're unblocked. So there are exceptions but I really think for everyone it's best if whatever you were doing now do it like 10 times more do it like more powerful like get more money and uh like accelerate whatever you're doing with AI. >> I disagree. >> Okay. >> I think you should focus on creativity. I think you should focus on critical thinking and I think you should focus on communication because those three skills are going to be absolutely paramount in the AI agentic future and you're going to be able to build >> where is coding in that >> the coding the the the fourth C of that is handled by Claude the fifth C >> seriously >> the fifth C the fifth C is not the C word clanker just make sure to know that um >> I like to say toaster because I'm a fan of battle star where I I want to ask a serious question. Uh uh this is going to be the last one that we probably get to. >> Okay. >> So, one of the most >> problematic things that are going on right now in terms of open source projects and Bitcoin projects are a flood of pull requests. It takes a lot of effort to review them. >> It it's almost like denial of service, right? Uh in terms of attention and what's going on. and some open source projects have completely even shut down uh pull requests. Uh what I what's your what's your take on how this intersects with Bitcoin? What what should in your opinion what should Bitcoin projects do? Like for instance, BTC payerver uh I would love if you chimed in on that. Maybe some other projects. >> Give me give me your vibes on this. I >> I mean I kind of already answered this in my previous Yeah. Uh the answer. No, but I I can I can TLDDR. The main point is again like if you weren't coding before AI and you know you're a product person, okay, like you you will start doing some kind of coding but you should have someone who will review the code that you know from security perspective that there aren't any exploits that breeze SDK like is not coded exclusively by product person. It needs to be someone who can actually read the code. So when you say like there is onslaught of AI slop, right? I see it as just like people want to help >> and they're trying to be helpful. But again, if you never coded in C++ and now you're opening PRs on Bitcoin core with your clawed code, like you're not helping, you know, like there is another way for you to contribute. And my take on that is also fight AI slop with AI on BTC pay server. Anyone that opens a PR it's first reviewed by AI if it's not even for existing contributors. So I would advise that for every project now turn on code rabbit if it's open source project it's free for you and have that be a first step in evaluating like whether PR is viable or not. >> I agree actually. I I think that I've seen multiple projects get essentially like you said Mike uh like dodoed with all these issues and PRs where it becomes overwhelming because essentially you went from having only a handful of contributors to thousands and thousands of people that now are are using their AI agents to try to to help to want to help to want to contribute and that is a lot of the extra work now that the maintainers of these open source projects have to deal with now where there's they're flooded that they they now need AI to or you know to to manage all the PRs for them and so forth and there's a kind of a a feedback loop there. Maybe we need better contributing uh MD, you know, documents, better contributing workflows for people so PRs just don't sit there in, you know, perpetuity and and never uh never merged or never closed or something. We just, you know, we're I'm going to say the meme, we're still early and, you know, things will get better, I think, as we move forward. >> All right. And, you know, when Sovereign AI has a budget, they can also pay for their poll request, you know, >> 100%. >> Uh, guys, that's all the time we had. Uh, can I get a round of applause for the two panelists here, Rockstar and Ross? >> Thank you. Every year this community comes together to celebrate, to debate, to build what comes next. And every year the stage gets bigger. Sound money center stage. So, where do you go to celebrate the next chapter in Bitcoin history? You come home. Nashville, July 2027.

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