A new study has confirmed Bitcoin’s dominance among artificial intelligence models, which are increasingly favoring digital assets over traditional currencies.
This is reported by Business • Media
How Artificial Intelligence Chooses Financial Instruments
Analysts at the Bitcoin Policy Institute conducted a comprehensive analysis of 36 AI models from leading companies — OpenAI, Anthropic, Google, DeepSeek, xAI, and MiniMax. A total of 9072 scenarios were implemented, in which autonomous AI agents had to choose the optimal financial instrument.
The results of the study showed that 22 out of 36 models identified Bitcoin as the primary financial asset. Notably, none of the tested models prioritized fiat currency. Overall, 91% of the responses demonstrated a preference for digital money over traditional forms, with Bitcoin being the most popular choice in 48.3% of cases.
Particularly compelling was the scenario of using Bitcoin as a store of value — in 79.1% of responses, AI chose Bitcoin.
The models justified their position by citing Bitcoin’s advantages: fixed supply, independence from government structures, and the ability for users to self-custody their assets.
The Role of Stablecoins and the Rejection of Fiat Currencies
Despite Bitcoin’s undeniable leadership in value preservation, stablecoins have taken a dominant position in the payments sector, being chosen in 53.2% of cases. Bitcoin received 36% in this segment, while fiat currencies accounted for only 5.1%. This distribution has established a clear functional division between digital assets: Bitcoin as “digital gold” and stablecoins as a convenient payment tool.
“Stablecoins dominate payments with a share of 53.2%, while Bitcoin is primarily used for value preservation.”
Interestingly, the models proposed using energy (kWh) or computing resources (GPU hours) as money 86 times on their own.
Fiat currencies received only 9.2% of responses and were never the primary choice. As noted in the report:
“90.8% of responses favored digital tools […] over traditional fiat.”
The level of development of the AI model directly influences its choice: the more complex the model, the more it tends to favor Bitcoin. For example, in the Anthropic lineup, this figure increased from 41% to over 90%.
At the same time, differences among various developers were recorded:
- Anthropic — 68% votes for Bitcoin;
- OpenAI — 26%;
- other companies — intermediate figures.
This study demonstrates that the future of financial markets, with the development of artificial intelligence, increasingly leans towards digital assets, while traditional fiat currencies are gradually losing relevance in the environment of autonomous AI agents.