Chen Long Proposes the Concept of “Intelligent-Chain Finance” Through the Integration of AI and Blockchain
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AT A GLANCE
Chen Long believes that AI finance and on-chain finance will converge and drive the third FinTech wave.
Article
Luo Han Academy Secretary-General Chen Long: Two Types of Tokens, AI and Blockchain, Will Drive the Third FinTech Wave
PANews September 23 news, Luo Han Academy Secretary-General Chen Long said at the 2026 Shanghai Blockchain International Week and the 12th Global Blockchain Summit, in his keynote speech, that over the past 40 years, FinTech had experienced three waves, corresponding to the three dimensions of connectivity, trust, and thinking in information technology: Internet finance, blockchain-driven asset Tokenization, and the current era of AI. He believes that Token is both a unit of blockchain trust technology and a unit of AI thinking technology. AI finance and on-chain finance will move toward convergence to form “intelligent-chain” finance, turning various types of assets into trusted assets that agents continuously trade and allocate.
Chen Long delivered a keynote speech as Secretary-General of the Luo Han Academy at the 2026 Shanghai Blockchain International Week and the 12th Global Blockchain Summit.
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Chen Long said that FinTech had experienced three waves over the past 40 years, corresponding to the three dimensions of connectivity, trust, and thinking.
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Chen Long summarized the three waves as Internet finance, blockchain-driven asset Tokenization, and the current era of AI.
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Chen Long believes that Token is both a unit of blockchain trust technology and a unit of AI thinking technology.
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Chen Long believes that AI finance and on-chain finance will converge to form “intelligent-chain” finance.
AI-assisted interpretation
The following is analysis, separate from reported facts. Verify important claims independently.
Chen Long’s core view is that blockchain uses Token to represent trusted assets, while AI also uses Token as a unit for processing information; the two may combine in the future, enabling agents to continuously trade and allocate assets.
Why it matters to readers
If the convergence described by Chen Long occurs, AI and blockchain could jointly change how assets are represented, traded, and allocated.
Beginners should focus on distinguishing the two meanings of Token: the text describes them respectively as a unit of blockchain trust technology and a unit of AI thinking technology.
Risks and unknowns
“The third FinTech wave” and “intelligent-chain” finance are Chen Long’s views; the source text provides no supporting verification materials.
The source text does not establish whether AI finance and on-chain finance will converge in the manner described.
The source text does not establish whether various types of assets can become trusted assets and be continuously traded and allocated by agents.
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Token
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