金融服务中的人工智能和加密-政策入门（英）

Expert InsightsPERSPECTIVE ON A TIMELY POLICY ISSUESeptember 2025JIM MIGNANO, JONATHAN W. WELBURNArtificial Intelligence and Crypto in Financial ServicesPolicy PrimerThis publication has completed RAND’s research quality-assurance process but was not professionally copyedited.For more information on this publication, visit www.rand.org/t/PEA3888-2.About RANDRAND is a research organization that develops solutions to public policy challenges to help make communities throughout the world safer and more secure, healthier and more prosperous. RAND is nonprofit, nonpartisan, and committed to the public interest. To learn more about RAND, visit www.rand.org.Research IntegrityOur mission to help improve policy and decisionmaking through research and analysis is enabled through our core values of quality and objectivity and our unwavering commitment to the highest level of integrity and ethical behavior. To help ensure our research and analysis are rigorous, objective, and nonpartisan, we subject our research publications to a robust and exacting quality-assurance process; avoid both the appearance and reality of financial and other conflicts of interest through staff training, project screening, and a policy of mandatory disclosure; and pursue transparency in our research engagements through our commitment to the open publication of our research findings and recommendations, disclosure of the source of funding of published research, and policies to ensure intellectual independence. For more information, visit www.rand.org/about/research-integrity.RAND’s publications do not necessarily reflect the opinions of its research clients and sponsors.Published by the RAND Corporation, Santa Monica, Calif.© 2025 RAND Corporation is a registered trademark.Limited Print and Electronic Distribution RightsThis publication and trademark(s) contained herein are protected by law. This representation of RAND intellectual property is provided for noncommercial use only. Unauthorized posting of this publication online is prohibited; linking directly to its webpage on rand.org is encouraged. Permission is required from RAND to reproduce, or reuse in another form, any of its research products for commercial purposes. For information on reprint and reuse permissions, visit www.rand.org/about/publishing/permissions.PE-A3888-2 iii About This Paper As the world, and the United States in particular, confronts the challenges of economic mobility, health and longevity, and new frontiers of technology and human well-being, have we designed our social and economic systems to effectively address these convergences? RAND is addressing these questions through an effort called Social and Economic Policy Rethink to transform the approach to solving social and economic policy problems. The broader volume encompasses seven reports that describe key social and economic stakes for policy on AI adoption, examine how policymakers can account for rapid AI capabilities development and adoption in