Bluwhale has launched an AI-driven Stablecoin Agent designed to help retail investors manage and grow dollar-denominated digital assets through automated allocations across onchain and off-chain platforms. The rollout comes as stablecoins exceed $300 billion in market capitalization and move deeper into mainstream financial infrastructure.
Bluwhale is building a decentralized AI network that acts as a “financial intelligence layer” across blockchains.
The platform merges AI, blockchain data and traditional finance to deliver user-centric services such as financial health scoring, personalized AI agents, multi-chain data orchestration and wallet/asset analytics.
Bluwhale claims to support over 3.6 million users and deploys AI agents that can analyze and transact across wallets and blockchains.
In early 2025, Bluwhale announced it had raised a total of $100 million in funding. This sum included seed/Series A rounds, a large token-purchase commitment (~$75 m), node-sales proceeds and grants.
On October 22, 2025 the company closed a $10 million Series A round led by UOB Venture Management (a subsidiary of United Overseas Bank). Participants included SBI Holdings and a number of leading blockchains such as Sui, Tezos, Cardano and Arbitrum. Earlier, Bluwhale secured a seed round of about $7 million, led by SBI and other investors including Cardano-linked funds, Animoca/ gumi ecosystem investors and tech visionaries.
The new Stablecoin Agent builds on this momentum
Stablecoins are being integrated into settlement systems by major networks such as Visa, Mastercard, PayPal and Stripe. The shift is pushing digital dollars into everyday payments, treasury management, and cross-border activity. Despite their rapid rise, many investors still struggle to distinguish between fiat-backed, commodities-backed, crypto-collateralized and algorithmic stablecoins, which vary widely in design and risk.
Bluwhale’s new Stablecoin Agent aims to reduce this complexity. The AI system monitors hundreds of chains, DeFi protocols and CeFi platforms, scanning tokenized T-bill products, lending markets, liquidity pools and custodial yield accounts to identify the best risk-adjusted returns based on a user’s financial profile.
“Stablecoins have grown so fast in the past year that consumers struggle to evaluate opportunities and technical details,” Bluwhale’s CEO, Han Jin, mentioned in a statement shared with AlexaBlockchain. He said the agent is designed to automate decisions around digital dollars, allowing users to access competitive yields without manually navigating onchain tools.
The system considers a user’s Whale Score—Bluwhale’s financial health metric—along with risk appetite, asset composition, investment horizon and behavioral patterns. The result is a personalized, always-on portfolio manager that reallocates funds in real time and executes transactions autonomously on the blockchain.
Bluwhale says its AI agents generate thousands of transactions across DeFi applications during volatile markets, taking advantage of excess stablecoin liquidity. The agents can identify lending opportunities, arbitrage conditions, liquid staking strategies and yield differentials, all while burning $BLUAI tokens as part of the network’s gas-based economic model.
As more agents operate for a single user, Bluwhale expects the flywheel effect to increase data queries, onchain activity and BLUAI burn volume. The company plans to expand its agent store with tools for portfolio rebalancing, memecoin trading and automated lending strategies.
The product launch taps into a broader generational shift. A Motley Fool 2025 survey found that 42% of Gen Z already uses stablecoins for daily purchases—triple the rate of Gen X—and 75% would accept salaries onchain. Analysts say this demographic values transparency and programmability over traditional banking interfaces, which they view as slow and opaque.
Jin said the timing is “perfect,” pointing to accelerating stablecoin integrations across payments networks and the coming wave of AI-driven onchain activity. He argued that autonomous agents will soon handle a significant share of Web3 financial operations as users seek automation over manual interaction.
The Stablecoin Investment Agent is now available following Bluwhale’s $BLUAI token generation event.
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