用AI代理架构实现可信资产上链,防欺诈、促合规。
AI-Governed Agent Architecture for Web-Trustworthy Tokenization of Alternative Assets
- 用智能代理自动完成资产验证、估值与合规检查
- 通过AI治理层实时检测异常,降低欺诈风险
- 适合金融科技平台构建安全合规的数字资产系统
非传统金融资产的通证化正在重塑其在互联网上的表示与交易方式。然而,在基于网络的通证化生态系统中确保可信性面临重大挑战,包括离线资产数据真实性验证和监管合规性执行。本文提出一种由人工智能驱动的代理架构,将智能体与区块链结合,实现面向网络的可信资产通证化。在该架构中,自主智能体协调通证化全过程(资产验证、估值、合规检查与生命周期管理),而基于AI的治理层则监控代理行为,通过自适应策略与密码经济激励机制强化信任。实验表明,该方法显著提升了资产通证化的透明度、安全性和合规性,有效应对数据真实性和欺诈问题。以房地产资产通证化为例,展示了通过实时AI异常检测与链上执行机制,可缓解虚假房源和洗钱等风险。评估与分析表明,将AI治理、多智能体系统与区块链融合,能大幅提升通证化生态系统的可信度。本研究为构建可信赖的网络资产通证化框架提供了新范式,并为从业者部署安全合规的通证化平台提供实践指导。
原文摘要 · Abstract (English)
Alternative Assets tokenization is transforming non-traditional financial instruments are represented and traded on the web. However, ensuring trustworthiness in web-based tokenized ecosystems poses significant challenges, from verifying off-chain asset data to enforcing regulatory compliance. This paper proposes an AI-governed agent architecture that integrates intelligent agents with blockchain to achieve web-trustworthy tokenization of alternative assets. In the proposed architecture, autonomous agents orchestrate the tokenization process (asset verification, valuation, compliance checking, and lifecycle management), while an AI-driven governance layer monitors agent behavior and enforces trust through adaptive policies and cryptoeconomic incentives. We demonstrate that this approach enhances transparency, security, and compliance in asset tokenization, addressing key concerns around data authenticity and fraud. A case study on tokenizing real estate assets illustrates how the architecture mitigates risks (e.g., fraudulent listings and money laundering) through real-time AI anomaly detection and on-chain enforcement. Our evaluation and analysis suggest that combining AI governance with multi-agent systems and blockchain can significantly bolster trust in tokenized asset ecosystems. This work offers a novel framework for trustworthy asset tokenization on the web and provides insights for practitioners aiming to deploy secure, compliant tokenization platforms.
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