AI agents are beginning to hold wallets and transact, but financial institutions lack a standard way to identify and hold accountable one machine counterparty from another. Solowin Holdings, a Hong Kong company listed on Nasdaq under AXG, signed a memorandum with SC Ventures, Standard Chartered's venture arm, in April to incubate AGENPAY, an AI payments project. Its Know-Your-Agent product is designed as a compliance engine that gives machine counterparties verifiable identities. The development comes as banks generally still block agents from accessing customer money and as industry executives warn that agents acting through wallets could buy services, trade assets and use stablecoins without a clearly accountable human behind them. Yat Siu, executive chairman of Animoca Brands, said agents with wallets could become autonomous economic actors and estimated their eventual population at 50 billion to 100 billion at minimum. He also pointed to roughly $900 billion in annual online advertising revenue as a market that could shift toward agent-powered transactions. Solowin director and AlloyX co-founder Thomas Zhu said compliant governance is necessary before AI-stablecoin integration can move beyond experimentation. Solowin's Bahrain subsidiary received a central-bank license in June to issue stablecoins, although the coin has not yet been launched. The company is also pursuing tokenized assets through Ferion and its investment in Libeara, with Zhu identifying government bonds and money-market funds as initial targets before real estate and private credit. For the year ended March 31, revenue reached $28.05 million, up 895%, including $22.2 million from AI infrastructure fees, while operating expenses were $40.14 million and the net loss was $13.29 million. Solowin bought AlloyX for $350 million in stock to expand into the UAE, ASEAN and Africa.