340K on-chain agent wallets already exist in Q1 2026 and three competing standards dropped in the same month — Coinbase AgentKit, MoonPay's Open Wallet Standard (PayPal + Ethereum Foundation backed, launched March 23), and now Trust Wallet's Agent Kit. 220M users is distribution leverage but Electric Capital already flagged the legal black hole: who's liable when an autonomous agent apes into a rug? Whoever nails scoped spend limits and pre-trade simulation first captures the agent flow — raw user count won't matter if your permission model can't handle autonomous execution.

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