By 2026, forward-thinking organisations will be actively building out their squads of AI agents across roles and functions. But amid this rapid expansion, a critical question looms: who is accountable when things go wrong?
📊 IDC Prediction: "By 2030, up to 20% of Global 1000 organisations will have faced lawsuits, substantial fines, and CIO dismissals due to high-profile disruptions stemming from inadequate controls and governance of AI agents."
— IDC Enterprise Technology Predictions, published October 2024
This raises an urgent question for enterprise leaders: How do you put guardrails in place — and how do you ensure AI agents work together, and ultimately, do business together?
🧩 Fusing Agentic AI With Decentralisation
Patrick Tobler, founder and CEO of blockchain infrastructure platform provider NMKR, is working on a project aimed at solving exactly this — by combining agentic AI with decentralised infrastructure.
The Masumi Network, born from a collaboration between NMKR and Serviceplan Group, launched in late 2024 as a framework-agnostic infrastructure that "empowers developers to build autonomous agents that collaborate, monetise services, and maintain verifiable trust."
💬 Tobler explains: "The core thesis of Masumi is that there's going to be billions of different AI agents from different companies interacting with each other in the future. The difficult part now is — how do you actually have agents from different companies that can interact with each other and send money to each other as well, across these different companies?"
✈️ A Real-World Use Case: AI Agents in Travel
Consider a practical example. You want to attend an industry conference. Your hotel booking agent needs to purchase a plane ticket from your airline agent. The entire experience and transaction should be seamless — but that requires implicit, verifiable trust between autonomous systems operated by entirely different companies.
🔒 "Masumi is a decentralised network of agents, so it's not relying on any centralised payment infrastructure. Instead, agents are equipped with wallets and can send stablecoins from one agent to another — and because of that, interacting with each other in a completely safe and trustless manner."
— Patrick Tobler, Founder & CEO, NMKR
₿ Why Crypto Was Always Built for AI Agents
Having spent considerable time in the crypto industry, Tobler came to a counterintuitive conclusion: the biggest problems crypto solved were never really meant for humans — they were meant for machines.
💬 "For humans, using crypto and wallets and blockchains — all that kind of stuff is extremely difficult; the user experience is not great. But for agents, they don't care if it's difficult to use. They just use it, and it's very native to them. All these issues that are now arising with agents having to interact with millions, or maybe even billions, of agents in the future — these problems have all already been solved with crypto."
— Patrick Tobler
This reframing is significant. The friction that made blockchain adoption difficult for everyday consumers becomes irrelevant when the end-user is an autonomous software agent operating at machine speed.
🏛️ Built on Cardano, Designed for Enterprise
Tobler is attending AI & Big Data Expo Global as part of Discover Cardano. NMKR was founded on the Cardano blockchain, and Masumi is built entirely on Cardano.
His goal at the event is straightforward — to connect with businesses that have heard a great deal about AI but haven't moved beyond tools like ChatGPT in their day-to-day operations.
💬 "I want to understand from them what they are doing, and then figure out how we can help them. That's most often the thing missing from traditional tech startups. We're all building for our own bubble, instead of actually talking to the people that would be using it every day."
— Patrick Tobler, Founder & CEO, NMKR
📌 Key Takeaways
- AI agent governance risks are escalating rapidly — IDC warns of major legal and leadership consequences by 2030.
- The Masumi Network offers a decentralised, trustless framework for multi-agent collaboration and payments.
- Blockchain's native infrastructure — wallets, stablecoins, decentralised identity — is ideally suited for AI agents, not just humans.
- Built on Cardano, Masumi is framework-agnostic and designed for enterprise-scale interoperability.
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