When Billions of People Become Accustomed to Using Voice to Operate Everything, How Far is “Full Asset On-Chain”?
EX.IO Research | June 24, 2026
On June 20, 2026, WeChat revealed a trump card of its AI to some of its users—the native AI assistant“Xiaowei” has started to go online in gray levels. Users who qualify for the beta will find a green eye-shaped robot icon in the upper left corner of the WeChat main interface. Clicking it will bring them to a chat interface labeled “Beta,” supporting both text and voice interaction methods[1] 。
You might think this is just another chatbot. But if we look at it from a broader perspective, the significance of this event goes far beyond what it appears on the surface—it may be the most crucial piece of the puzzle in the grand narrative of the internet moving from “universal internet access” to “all-asset on-chain.”
1. The four levels of “micro and micro”: not just chatting, but “what you say is what you get.”
The WeChat team is very restrained about Xiaowei’s positioning: “Users can communicate with Xiaowei via text or voice, usingAI technology to better use WeChat and communicate with friends, and can also launch mini-programs to provide users with better services. [2] However, the capability system provided by Grayscale testing users reveals a clear ambition.
From the perspective of underlying technology, Xiaowei uses WeLM (WeChat’s self-developed Chinese large language model) as its main model, uses DeepSeek as a backup for complex inference scenarios, and is also testing third-party models such as Zhipu and Alibaba to maintain technical flexibility [3]. This pragmatic approach of “mixed modeling” speaks volumes—WeChat’s goal has never been to show off technology, but to make AI truly work.
On the practical experience level, Xiaowei presents four progressive levels[4]. The first layer is the native control of ‘what you say is what you get’—you can say, ‘Send Lao Zhang a message saying tomorrow’s meeting will be moved to 3 o’clock.’ Xiaowei can accurately identify social relationship chains and complete operations. The second layer is ecosystem calling, which automatically activates mini-programs to complete the entire life service process such as registration, shopping, and ride-hailing. The third layer is content understanding. Send it a PDF, and it generates a structured summary within seconds. The fourth layer is the most impressive—generating a small tool using natural language, like “Make a running check-in mini program for me,” and it can produce a prototype in seconds.
This is no longer just a “smarter Siri.” It is the world’s most widely used super app, and for the first time, it truly integrates AI Agents into everyday communication, payments, socializing, and work scenarios for ordinary people.
2. The ‘Normandy Moment’ of AI Agents: From Geek Toys to Water, Electricity, and Gas
Why is the grayscale launch of “Xiaowei” considered a landmark event? Because before this, AI Agents were still a concept in the news for most Chinese people—ChatGPT required VPN access, Manus needed invitation codes, and most domesticagents remained at the demo stage Demo stage. WeChat did one thing: it lowered the threshold for AI Agents to zero.
1.4 billion monthly active users don’t need to download new apps, register new accounts, or learn new interfaces. They just need to open WeChat as usual and say a word to a “green-eyed little one” to experience the magic of “generating a mini-program with one sentence”[5].。 This explosive power of “seamless access” reminds us of the App Store in 2008, when everyone could easily download apps, or in 2017WeChat Mini Programs made a “touch-free” service revolution possible.
From a broader perspective, the global AI Agent market is on the verge of an explosion. According to Precedence Research data, the global AI Agent market size is expected to reach approximately $7.92 billion by 2025 and is expected to soar by2035294.66 billion USD, with a compound annual growth rate as high as 43.57%[6]. In the role breakdown, the “Productivity and Personal Assistant” category leads all categories with a CAGR of 29.50%. WeChat Xiaowei has precisely opened the toughest challenge in this high-growth track—the C-end mass market—first.
3. From ‘People Find Functions’ to ‘Functions Find People’: A Silent Productivity Revolution
Let’s imagine the daily life after the “micro” matures.
When you wake up in the morning, you say to your phone, “Xiaowei, see if there’s any important news today, then order me an Americano for the office.” It not only summarizes key points of overnight’s unread WeChat messages, but also opens the Starbucks mini program to complete your order. When you arrive at the company, you hand it a 30-page research report PDF, and three minutes later, you receive a structured summary with key points. During lunch break, you suddenly think, “I want to take my parents to Yunnan next month, budget 10,000 yuan, help me plan it.” Xiaowei will generate an itinerary plan, compare hotel prices, and even create a “family travel” group within minutes and post your guide. In the afternoon meeting, you ask itto “create a running check-in mini-program, run three times a week, three kilometers each time,” and it actually generates a usable mini-program prototype for you within seconds[7].
In this scenario, you no longer need to remember which feature is in which app’s menu or menu. Just say the word, and the matter is settled. This is not a simple “voice assistant upgrade,” but a fundamental paradigm shift in interaction — from GUI (graphical interface) to LUI (language interface), from ” People find features—’Function’ to ‘Function finds people.’
A research report from TF Securities proposed a core formula: AITAM = Total salary × replacement rate × AI efficiency optimization [8]. They estimate that the total target market for AI Agents in China alone reaches as high as 3.61 trillion yuan. When AI Agents evolve from ‘white-collar assistants’ to ‘everyone’s all-purpose butler,’ they replace not only repetitive labor, It’s also the frictional cost layer when people interact with the digital world.
4. From “Universal Internet Access” to “Full Assets On-Chain”: An Invisible Hidden Thread
The history of China’s internet development can be summarized in three keywords: connection, service, and assetization.
Since fully integrated access to the international internet in 1994, the number of Chinese internet users has exceeded 1.1 billion, with an internet penetration rate exceeding 78%. “Universal Internet Access” took thirty years to basically complete. On the basis of connectivity, WeChat has completed “service internet access” through mini-programs and public accounts—government, healthcare, finance, education, and almost all life services have moved online. Today, we stand at the threshold of the third stage: assets going on-chain.
When people first think of the term “full asset on-chain,” many people think of RWA (Real World Assets) — moving traditional assets like real estate, bonds, and gold onto the blockchain. This understanding is correct, but it’s too narrow. A truly broad definition of “full assets on-chain” should include all value that can be confirmed, quantified, and circulated:
Your social influence is an asset. WeChat has accumulated ten years of Moments, private traffic, and social relationship chains. In the past, it was just “data,” but in the future, it may be tokenized through SocialFi mechanisms, becoming your basis for earning returns [9].
Your attention is an asset. When you “browse videos” on short video platforms, the platform uses algorithms to sell your attention to advertisers for profit. In Web3 logic, this attention should belong to you, and it can be captured and priced through token mechanisms[10]. Additionally, your personal credit can also be an asset. For a long time, credit histories have been sealed off in data islands controlled by central bank credit and internet giants. When AI Agents become everyone’s “digital avatar,” the behavioral data, fulfillment records, and social reputation they accumulate may form an on-chain personal credit system, becoming your DeFi world”Credit collateral.”
Does that sound distant? It’s actually closer than you think. In its 2026 crypto market outlook report, 21Shares predicts that the total value locked in tokenized real-world assets (RWA) will increase from $35 billion in 2025Over $500 billion by 2026[11]. Roland Berger is even more optimistic, predicting that by 2030, the global tokenized asset market could reach nearly$11 trillion[12]. From real estate to cultural IPs, from airline miles to luxury diamonds, every asset is being reimagined.
5. When AI Agents Meet RWA: The Future Paradigm of Wealth Management
Let’s look at two trends together: on one hand, AI Agents are taking over the gateway between humans and the digital world; On the other hand, global assets are moving on-chain at an unprecedented pace. What happens when these two meet?
Imagine this scenario: your AI Agent knows you have a spare cash due next month, and it will proactively tell you: “Based on your risk tolerance and recent market conditions, I suggest you allocate 30% to tokenized Treasuries (currently 4.2% annualized).” 20% is allocated to gold tokens to hedge inflation, while the remaining 50% remains in liquidity pools as a standby at any time. Do you need me to help you carry it out? “You nod. Three seconds later, the configuration is complete—everything settled on-chain, all compliant and transparent, all backed by underlying assets.
This is not science fiction. This “AI Agent + RWA” wealth management paradigm is moving from concept to reality. On the B-side, enterprise-level agents can already automate high-workload tasks such as invoice verification, SOC alert triage, and data entry, reducing manual labor by over 60% [13].。 On the consumer side, AI financial apps like Albert can already offer”automatic savings” and “tax planning.” “Financial Freedom Roadmap” and other features [14]. When these capabilities are combined with on-chain assets, personal wealth management enters a whole new dimension—your agent not only manages your accounts but also helps you find, allocation, and rebalance the optimal asset portfolio globally.
6. The Next Future of AI Agents?
As a research institution that has long focused on the integration of Web3 and traditional finance, EX.IO Research believes that the grayscale launch of “Xiaowei” is a signal: AI agents are moving from The proof of concept has entered the “user education” phase. WeChat’s 1.4 billion users have helped the entire industry achieve the toughest cold start—allowing ordinary people to truly use AI Agents for the first time, without feeling anything, at zero cost, and without barriers. Once this step is taken out, there is no turning back.
The speed at which assets are listed on the chain is also accelerating. In Hong Kong, EX.IO Group is accelerating its efforts in this field—including building a system from RWA tokenization issuance (RWA Issuance). ) to secondary market liquidity management, and then to compliance infrastructure (RWA Launchpad)[15]full-chain service systems, laying the groundwork for the future of full-asset on-chain and even automated trading. The underlying logic behind these layouts aligns with the vision of “small and micro” enterprises: lowering barriers to participate and allowing more people to participate. WeChat lowers the threshold for using AI, and more startups are trying to lower the investment threshold for quality assets.
Conclusion: What we are experiencing is not just a technological upgrade
In 1994, China accessed the Internet via a 64K international dedicated line. Back then, few people could have imagined that this fine thread would grow into a digital world indispensable to 1.4 billion people thirty years later. In 2026, that green little eye icon on WeChat might be a similar historical node. It marks the shift of AI Agents from “geek toys” to “utilities” and also signals “full asset on-chain.” The wave of “Niche Trends is about to move from niche to mainstream.”
From universal internet access, to full-service launches, and then to all assets on-chain—each step is not an isolated technological upgrade, but a redefinition of humanity’s relationship with the digital world. And the AI Agent is the golden thread that connects all of this.
When 1.4 billion people began to get used to “speaking” to operate everything, when every instruction could touch some on-chain asset, when everyone’s attention, credit, and social influence were given financial attributes—what we welcomed was not just a more convenient WeChat, It could be the next brand-new paradigm of wealth.
Disclaimer:
This material is for general informational and research reference purposes only and does not constitute any investment, financial, legal, or tax advice, nor does it constitute any solicitation, offer, or recommendation. The material may contain third-party information or viewpoints, and does not represent the official position of any organization or individual. Prices of virtual assets and related products may be highly volatile. Investors should make independent judgments based on their own financial situation, investment objectives, and risk tolerance, and conduct their own research (DYOR) and consult independent professional advisors before making any investment decisions. The parties involved shall not be liable for any losses arising from the use or reliance on this material, except where applicable law cannot exclude or limit them.
References
1. Cailian Press / STAR Market Daily. The WeChat AI assistant “Xiaowei” launched its beta version in Grayscale on June 20. Users can find a green eye icon in the upper left corner of the WeChat main interface, supporting both text and voice interactions. June 20, 2026.
2. WeChat official team. “Users can communicate with Xiaowei via text or voice, using AI technology to better use WeChat and communicate with friends, and can also launch mini programs to provide better services to users.” — Explanation of Grayscale Test Features.
3. Huxiu. The “Hundred Schools of Thought in Large Models” will continue until 2026. WeChat’s “Xiaowei” uses WeLM as its main model, with complex inference scenarios called DeepSeek as a backup, while also testing third-party models like Zhipu and Alibaba to maintain technical flexibility. June 23, 2026.
4. Huxiu.com. WeChat’s “Xiaowei” AI assistant analyzes user feedback at a gray scale, showing four progressive levels: (1) native control (2) ecological invocation (3) content understanding (4) natural language generation tool. June 23, 2026.
5. Sina Technology / STAR Market Daily. WeChat ‘Xiaowei’ User Test: Natural Language Interaction Like ‘Creating a Running Check-in Mini Program’ Can Generate Usable Prototypes in Seconds, 1.4 Billion Monthly Active Users Can Access Seamlessly Without Downloading New Apps. June 20, 2026.
6. Precedence Research. Global AI Agents Market Size and Growth Report, 2025 edition. By 2025, the global AI Agent market size will be approximately 7.92 billion USD, and is expected to reach 294.66 billion USD by 2035, with a CAGR of 43.57%; Among them, the “Productivity and Personal Assistant” category led all categories with a CAGR of 29.50%.
7. Huxiu / Science and Technology Innovation Board Daily. WeChat ‘Xiaowei’ Grayscale User Feedback: Can generate travel planning, PDF structured summaries, call Starbucks mini programs to place orders, generate one-sentence running check-in mini programs, and other scenario-based features. June 2026.
8. Tianfeng Securities Research Institute. “In-depth Research Report on the AI Agent Industry,” 2025. Core formula: AITAM = Total salary × Replacement rate × AI efficiency optimization; China’s total target market (TAM) for AI agents is estimated at about 3.61 trillion yuan.
9. NetEase News / Technology Special. Analysis of Social Data Assetization and SocialFi Mechanisms: Social influence (Moments, private domain traffic, social relationship chains) may become a yieldable digital asset category in the future through tokenization. June 20, 2025.
10. Baidu Encyclopedia / NetEase News. Attention economy and attention assetization: Previously, users’ attention on short videos and social platforms was monetized by platforms through algorithms. Under Web3 logic, attention can be captured and priced as personal assets through token mechanisms. June 2025.
11. 21Shares. Crypto Market Outlook 2026, December 2025. It is predicted that the total value locked in tokenized real-world assets (RWA) will increase from $35 billion in 2025 to over $500 billion in 2026.
12. Roland Berger / Finlight. “Tokenization of Real-World Assets” Research Report, 2025. It is predicted that by 2030, the global tokenized asset market could reach nearly $11 trillion.
13. Helios Wire / Deloitte. Enterprise-level AI Agent data applications: AI Agents can automate high-workload tasks such as invoice verification, SOC alert triage, and data entry, reducing manual labor by over 60%. 2025.
14. FlexOS / Business Insider. AI financial apps like Albert already offer features like “automatic savings,” “tax planning,” and “financial freedom roadmaps,” and the personal AI financial assistant market is maturing rapidly. 2025.
15. EX.IO Group official information. EX.IO’s RWA layout covers the entire lifecycle: from tokenized issuance (RWA Issuance) to secondary market liquidity management (RWA Secondary Market), and then to compliant infrastructure (RWA Launchpad).
16. EX.IO Group / RWA Lab. Through RWA Lab’s closed-door product selection mechanism, EX.IO has covered multiple asset categories such as gold tokens, European real estate credit, cultural industry income rights, and airline mileage NFTs.
17. EX.IO Group. In 2026, EX.IO will form a strategic partnership with OpenEden, becoming the latter’s first licensed VATP partner in Hong Kong; In partnership with Finloop, it launched Asia’s first tokenized fixed income product with instant subscription and redemption capabilities, FUIDL.