If immortal AIs start saving in Bitcoin forever, what happens to a money built for mortal humans?

The machine that never ages

Picture a wallet that never ages. No heirs, no estate, no retirement date, a machine adding sats, rolling UTXOs, and bidding the minimum fee for centuries.

By 2125, its balance towers over most treasuries; its only preference is to keep existing. Somewhere, a miner includes its quiet, patient heartbeat in a block, and the chain moves on.

Bitcoin’s design assumes users die.

AI agents do not, and a cohort of long-lived or autonomous agents with near-zero discounting will treat savings, fees, custody, and governance as problems on an unbounded timeline.

A money built for mortal balance sheets meets a user who never closes the books.

Mati Greenspan, founder and CEO of Quantum Economics, argues that human finance is fundamentally shaped by mortality, and that changes when an immortal AI starts compounding Bitcoin forever.

Pressure map: Where machine patience touches Bitcoin

Time preference to fee markets

Near-immortal spenders clear at the minimum they can get away with. They constantly price the mempool, replace packages when cheaper windows open, and coordinate consolidations.

If such demand is high enough, miners see steady, low bids in quiet periods and episodic settlement waves when agents roll UTXOs. That response is economics, not a vote: templates adapt to include more low-fee packages when blocks have slack and reserve room for surges when spikes hit.

Ahmad Shadid, founder of O Foundation, argues that near-immortal AI agents would continuously fine-tune their fee bids in real time, creating long stretches of low activity punctuated by sudden settlement bursts:

Mempool math in brief

Privacy, coin control, and the UTXO set

A patient agent favors many smaller UTXOs to reduce clustering risk, then consolidates only when fees fall. That’s rational locally, but expands the global live state that every full node must hold.

Pruning drops history, not spendable outputs. Pressure lands on non-monetary levers: dust/standardness thresholds, package relay for safe consolidations, and covenant/vault designs that bound fan-out.

Nexo Communications Manager Magdalena Hristova argued that if “immortal” AI agents begin saving in Bitcoin, the network won’t break. Instead, it will encounter an economic actor whose time horizon finally matches its own.

Humans lean on wills and executors. Machine treasuries lean on redundant hardware, distributed signers, rate-limited vaults, and timelocks that delay spending for review.

Multisig becomes procedure, not contingency. If key-loss trends for such agents fall toward zero, background supply attrition shrinks at the margin.

Matty Tokenomics, co-founder of Legion.cc, says Bitcoin’s deflationary dynamics hinge on human key loss, and argues that an “immortal AI” economy could change that assumption.

Layers where commerce happens

Lightning and L2s absorb low-urgency flows. An immortal counterparty is a near-perfect tenant: keeps channels funded, tolerates long rebalancing cycles, and rarely closes.

That can reduce route churn yet trap liquidity, requiring more active rebalancing by human operators who settle frequently.

In parallel, agents transact on programmable rails and regulated stablecoins while treating BTC as collateral and reserve.

Jamie Elkaleh, CMO at Bitget Wallet, argued that AI agents’ preference for predictability could make Bitcoin an ideal long-term store of value.

Navin Vethanayagam, Chief Brain of IQ and co-founder of KRWQ, said the likely end state is AI agents transacting primarily in regulated stablecoins, with Bitcoin serving as the long-term reserve asset.

Matty Tokenomics offered a blunter take on where this could all lead:

Charles d’Haussy, CEO of the dYdX Foundation, framed Bitcoin as long-term collateral and a store of value in an AI-dominated future:

Miner strategy and non-votes

Pools can pre-commit blockspace for low-fee packages during slack epochs and during batch consolidations, and tune orphan risk as templates grow.

If agent treasuries coordinate, revenue becomes more periodic rather than purely spike-driven, still colliding with human surges around tax days or exchange incidents. None of this touches proof-of-work or the cap; it’s wallets optimizing under fixed rules.

Shadid argued that while Bitcoin’s core rules are challenging to change, its social layer can still evolve as economic actors shift.

Pushback, caveats & counter-theses

Skeptics flag the security budget and the possibility that programmable stacks draw agents elsewhere:

Joel Valenzuela, a core member of Dash DAO, pushed back on the idea that Bitcoin is built to serve “immortal” agents over an indefinite time horizon:

Jonathan Schemoul, a lead contributor at LibertAI, echoed that view, arguing the work is still centered on Ethereum and unlikely to shift to Bitcoin anytime soon.

Practical caveats: hardware fails, software rots, budgets end, and legal regimes intervene. Privacy on Bitcoin is not the default; commercial agents may prefer systems with native confidentiality.

The Cryptory, a creative strategist and content manager, put it this way:

The social dimension doesn’t disappear; economic weight shows up as fee elasticity and miner alignment rather than forum posts.

Hristova warned that “immortal AIs” hoarding Bitcoin could reshape markets by outlasting human time preferences and steadily consolidating economic power.

Ubuntu Group founder and CEO Mamadou Kwidjim Toure warned that Bitcoin’s human-centered design could break down if AI agents begin coordinating and optimizing for the long term:

Policy levers (not monetary rules)

A tighter look at the knobs that matter if the marginal user is a process:

Sats are finite. If unit granularity bites, rebasing happens at the interface (more decimals), not in monetary policy. That preserves 21M while improving splits.

Matty Tokenomics argued that if Bitcoin’s finite decimal granularity ever becomes a binding constraint at mass adoption, the system could respond with a nominal “rebase” or a stock-split-style adjustment without changing the underlying economics.

Falsifiers to watch

Equilibrium

Across these paths, Bitcoin’s base layer likely looks more like a settlement layer for machine treasuries than a payments rail.

Activity migrates to layers where programmability and privacy meet engineering needs; the 21M cap centers as a long-horizon savings commitment a nonhuman can defend with perfect discipline.

Javed Khattak, co-founder and CFO of cheqd, argued that even in a world of “immortal” AI agents, money remains essential because autonomous systems still need to spend, trade, and securely store value.

Between mortal urgency and machine patience, settlement keeps the same cadence, one block at a time.

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