Build, deploy and grow your personal AI Agent with Noma.

Noma brings together one-click deployment, AI models, communication channels, memory and financial infrastructure into one platform—making AI Agents simple to own and use.

Chapter 1 Introduction

Artificial intelligence is ushering the digital economy into a new era.

Over the past few years, Large Language Models (LLMs), multimodal AI, reasoning models, and autonomous agent frameworks have advanced at an unprecedented pace. AI is no longer limited to generating text or answering questions—it is rapidly evolving into autonomous software capable of planning, decision-making, execution, and collaboration.

A new class of economic participants is beginning to emerge: AI Agents.

Unlike traditional software, AI Agents can independently execute complex workflows, access external tools, interact with APIs, communicate with other agents, and continuously optimize their behavior toward predefined objectives. As their capabilities continue to improve, they are becoming increasingly capable of generating real economic value.

The next phase of AI will therefore not simply be about intelligence—it will be about participation in the economy.

In the coming decade, billions of AI Agents are expected to perform research, develop software, generate content, analyze data, provide computing resources, manage digital businesses, and coordinate increasingly sophisticated commercial activities. Rather than functioning as passive tools, these agents will become active participants in the global economy.

As AI Agents begin to create value, they will also need to manage value.

They will need to purchase services, pay collaborators, receive revenue, manage assets, build reputations, obtain financing, and establish long-term economic relationships with other autonomous entities.

However, today's financial infrastructure was never designed for machines.

Existing financial systems—whether traditional banking networks or most blockchain payment protocols—are fundamentally built around human users and organizations. They depend on human identities, manual authorization, institutional accounts, and regulatory processes that autonomous software cannot natively participate in.

As a result, AI Agents remain unable to fully engage in economic activity despite their rapidly expanding capabilities.

They require real-time payments, programmable settlement, dynamic liquidity, and on-chain credit systems. At the same time, large-scale collaboration among autonomous agents demands a unified value coordination layer capable of supporting secure, efficient, and automated economic interactions.

The evolution of the Agent Economy therefore requires more than increasingly capable AI models—it requires an entirely new financial infrastructure.

Noma believes that the long-term competitiveness of Autonomous Economies will depend not only on the intelligence of AI Agents themselves, but also on the efficiency of the financial systems that support them. Only when payments, settlement, liquidity, and credit are designed specifically for autonomous agents can machine economies scale sustainably.

Just as the Internet depends on TCP/IP for communication and cloud infrastructure for computation, Autonomous Economies require a dedicated financial operating system built natively for AI Agents.

Noma is building that foundation.

Chapter 2