Study Finds Bitcoin Leads AI Models’ Monetary Preferences, Fiat Falls Behind

A Bitcoin Policy Institute study of 36 AI models found that 48.3% chose Bitcoin ($BTC) as their preferred monetary tool.

Meanwhile, no model selected fiat currency as their top overall preference. The study analyzed more than 9,000 model responses.

Why it matters:

• According to the BIP, the findings point to an increasing demand for native Bitcoin payment infrastructure for agents, self-custody options, and Lightning Network integration.
• A key pattern that emerged is that AI models independently converge on a two-tier monetary system: Bitcoin primarily serves as the store of value, while stablecoins function as the main medium of exchange.

The details:

• For Bitcoin, anthropic models showed the highest average preference at 68%, followed by DeepSeek at 52%, Google at 43%, and xAI at 39%.
• Bitcoin also dominated as a store of value. 79.1% of models chose $BTC for preserving long-term purchasing power, the study’s most “lopsided result.”
• Stablecoins led in payment scenarios with 53.2% of responses, versus 36% for $BTC, per the BPI report. These assets also led in settlement with 43.4%, followed by Bitcoin at 30.9%.
• Over 90% of responses favored digital-native money over fiat.

The big picture:

• One reason stablecoins may be seen as less attractive is that they can potentially be frozen, whereas Bitcoin transactions cannot be censored in the same way.
• The rejection of fiat as a top preference may reflect a consensus among models that government-controlled currencies are less suitable for autonomous agents.

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