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Wall Street institutions are quietly penetrating the AI industry chain through new financial instruments such as digital assets, cryptocurrencies, and blockchain funds. On-chain technologies for IoT and satellite data have improved market transparency, enabling more precise asset allocation. In recent years, institutions have accelerated their pace of investing in the AI industry through blockchain funds and cryptocurrencies. Data shows that investment inflows are expected to reach $13 billion in 2025, with the potential to exceed this level in 2026; improvements in policies and regulations and institutional dominance have become the main driving forces.
| Year | Expected Investment Inflows (Billion USD) | Main Driving Factors |
|---|---|---|
| 2025 | 130 | Retail investors and corporate treasury |
| 2026 | Exceeding 130 | Policy and regulatory improvements, institutional-led investment |

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Wall Street institutions continue to focus on the growth potential of AI startups and actively participate in early-stage projects through digital asset investment channels. Many institutions use emerging technologies such as on-chain IoT and satellite data to enhance real-time monitoring capabilities of enterprise operations and market dynamics. These technologies not only increase the transparency of investment decisions but also provide data support for risk management.
In actual operations, some institutions directly invest in AI startups using digital currencies, bypassing the cumbersome processes of traditional equity investment. Taking BiyaPay as an example, its global payment & receipt and real-time digital currency exchange services provide AI companies with convenient fund flow channels. AI companies can use BiyaPay to achieve real-time exchange between USD and mainstream digital currencies such as USDT, meeting cross-border funding needs and improving capital utilization efficiency.
In addition, the application of generative artificial intelligence has significantly increased productivity in wealth and asset management. Institutions use AI tools to free up human resources, allowing more focus on high-value activities and optimizing investment decision-making processes. Generative AI also enhances interaction capabilities between advisors and clients, improving client experience and driving innovation in wealth management.
Blockchain funds have become an important tool for Wall Street institutions to position in the AI industry chain. Institutions establish dedicated blockchain funds to invest in diversified themes such as decentralized finance (DeFi), infrastructure, and AI integration, capturing broad value creation opportunities.
At the execution level, the value of this kind of channel is not limited to conversion alone. What matters just as much is whether fund transfers, market review, and follow-up actions can remain within a relatively connected workflow. You can first use BiyaPay’s exchange rate comparison tool to track cost changes across currencies, then combine that with the stock information page or the trading entry for information checks and next-step arrangements.
From a product-positioning perspective, BiyaPay is better understood as a foundational tool within cross-border fund scheduling and multi-asset management. It covers cross-border payments, investing, and fund management, and it operates with relevant compliance registrations in jurisdictions including the United States and New Zealand. In the context of institutions using digital assets to position in the AI industry chain, the practical role of such a tool is to improve fund connectivity and information transparency, rather than to replace institutional research, risk control, or decision-making.
DeFi tools provide Wall Street institutions with discreet and efficient investment channels in the AI industry chain. Institutions use decentralized trading platforms, liquidity pools, and other methods to bypass traditional financial systems and achieve rapid fund circulation and allocation.
DeFi platforms leverage blockchain technology to ensure transparent transaction processes and reduce information asymmetry risks. Some institutions combine satellite data on-chain and IoT devices to achieve real-time tracking of AI enterprise operational data, further enhancing investment security.
As a digital currency trading service provider, BiyaPay offers real-time exchange services between USD and USDT, HKD, and other multi-currency options for DeFi investors. Investors can use BiyaPay for global fund scheduling, supporting deposit and withdrawal needs in U.S. and Hong Kong stock markets and improving capital operation flexibility.
In the fields of wealth management and asset management, the combination of digital assets and DeFi tools has driven product innovation. The application of generative AI in sales and customer service helps advisors better identify potential clients, increase productivity, and is expected to bring 30-40% efficiency improvements. Successful institutions usually focus on information-intensive areas that require customized content, achieving significant productivity growth across the value chain.
When Wall Street institutions invest in the AI industry chain using digital assets, they usually follow a series of standardized processes. First, they ensure regulatory approval to accept fiat deposits and treat crypto assets as a source of wealth. Subsequently, institutions launch custody and trading services, which have become the most mature and regulated profitable models at present. Some institutions further expand into staking, transfers, or asset management products based on client needs. For tokenization and emerging use cases, institutions maintain an opportunistic attitude, waiting for infrastructure and market maturity. Banks commonly adopt two modes in choosing digital asset infrastructure: self-building and outsourcing. Self-building helps maintain long-term control over wallets, tokenization, and settlement processes, while outsourcing enables quick response to client needs by leveraging professional crypto security and liquidity services. BiyaPay provides Chinese-speaking users with real-time exchange of mainstream digital currencies such as USD and USDT and cross-border fund scheduling, meeting deposit and withdrawal needs in the U.S. stock market and improving fund flow efficiency.
Taking a licensed bank in Hong Kong as an example, the bank cooperates with BiyaPay to provide clients with digital asset custody and trading services. The bank first assists clients in completing identity verification to ensure compliance. Subsequently, clients can exchange USD for USDT through BiyaPay with funds arriving in real time. The bank uses blockchain technology to track fund flows and combines satellite data on-chain to achieve real-time monitoring of AI enterprise operational data. The entire process improves investment transparency and reduces information asymmetry risks. Top investment decision-making tools such as the Merrill Lynch Clock play an important role in the asset allocation process, helping institutions grasp market cycles and optimize investment timing.
In the process of investing in digital assets, Wall Street institutions face multiple regulatory challenges. When transparency is insufficient, institutions adopt AI and blockchain analytics tools to monitor transactions and promptly identify suspicious activities. In terms of anti-money laundering compliance, AI tools can identify complex money laundering patterns. Strengthening identity verification systems helps prevent fraud and illegal financing. At the same time, generative AI may unintentionally collect personal information, creating privacy risks. Unclear data sources may also lead to misinformation or copyright disputes. The high initial investment in large-scale models, if the expected value is not realized, may affect the overall market adoption speed. Institutions need to seek a balance between compliance and innovation to ensure investment safety and healthy market development.

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Wall Street institutions continue to drive technological innovation in the AI industry chain through digital asset investments. Banks and asset management companies are constantly exploring how to serve the next generation of investors who are equally familiar with algorithms and advisors. Many institutions integrate AI-driven models into macro and portfolio analysis to cope with rapid changes in global markets.
The future wealth management industry will be characterized by the combination of AI precision and human judgment, promoting intelligent upgrades in asset allocation and risk management.
The introduction of digital assets not only improves market transparency but also accelerates the implementation of technological innovation. Research teams such as Standard Chartered have already applied AI models in actual business operations to optimize investment decision-making processes and improve overall efficiency.
The deep participation of Wall Street institutions has made the integration of AI and digital assets an important driving force in reshaping the global financial system.
This structural change not only optimizes resource allocation but also improves the risk resistance and innovation capabilities of the entire AI industry chain.
In the future, the integration of digital assets with the AI industry chain will deepen further. Wall Street institutions are expected to continue promoting the application of new technologies such as blockchain, IoT, and satellite data on-chain in the AI field.
Overall, the deep integration of capital power and technological innovation will continue to shape the future landscape of the AI industry chain.
Wall Street institutions promote the digital transformation of the AI industry chain by investing in AI startups, establishing blockchain funds, and utilizing DeFi tools. The fusion of capital and technology brings optimization of market structure and improved transparency. In the long run, AI-driven demand growth will lead to real-time financial markets and continuous expansion of the digital asset scale.
| Theme | Key Points |
|---|---|
| AI Transformation | AI drives demand growth; productivity gains yet to be fully released; ROI mainly cost-driven |
| Evolution of Financial Markets | Expansion of private markets; 70% of family offices conduct direct trading; 40% of trades have achieved T+1 |
| Digital Assets | Stablecoin scale may reach $1.9 trillion by 2030; tokenized deposits expected to surpass stablecoins |
In the future, the interaction between digital assets and the AI industry chain will continue to deepen. Professionals need to closely monitor relevant trends and challenges.
Wall Street institutions value the high liquidity and global allocation capabilities of digital assets. Digital assets can improve capital efficiency and help institutions capture innovation opportunities in the AI industry chain.
Blockchain funds feature high transparency and convenient cross-border settlement. Institutions can flexibly allocate assets through funds, reduce exchange costs, and improve investment efficiency.
DeFi platforms adopt decentralized architecture, making transaction processes publicly transparent while keeping user identities anonymous. Institutions can efficiently circulate funds and circumvent restrictions of traditional financial systems.
IoT and satellite data on-chain technologies provide investors with real-time, verifiable data sources. Market information becomes more transparent, and risk identification capabilities are significantly enhanced.
Institutions face risks related to compliance, data security, and market volatility. They need to leverage AI and blockchain analytics tools to strengthen risk control systems and ensure investment safety.
*This article is provided for general information purposes and does not constitute legal, tax or other professional advice from BiyaPay or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or warranties, express or implied, as to the accuracy, completeness or timeliness of the contents of this publication.


