Artificial Intelligence and Crypto in Financial Services

Policy Primer

Jim Mignano, Jonathan W. Welburn

Expert InsightsPublished Sep 9, 2025

This primer examines the intersection of artificial intelligence and cryptocurrencies in financial services. The author explores how combining digital assets — such as stablecoins and tokenized assets — and artificial intelligence could disrupt payments, trading, lending, insurance, and compliance, while introducing new opportunities, risks, and policy implications for consumers, policymakers, and industry stakeholders.

This is part of the Social and Economic Policy Rethink Initiative, a RAND effort to transform the approach to solving social and economic policy problems.

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Mignano, Jim and Jonathan W. Welburn, Artificial Intelligence and Crypto in Financial Services: Policy Primer. Santa Monica, CA: RAND Corporation, 2025. https://www.rand.org/pubs/perspectives/PEA3888-2.html.
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Funding for this work was provided by the contributions of the RAND Social and Economic Policy Advisory Board; generous gifts by Frank M. Clark, Michael J. Critelli, William A. Downe, Jihee Kim Huh and Peter Yun Huh, and the Donald M. James Family Foundation. The work was conducted by RAND Social and Economic Well-Being.

This publication is part of the RAND expert insights series. The expert insights series presents perspectives on timely policy issues.

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