当模组开始记账，中国制造已铺设了一条看不见的"金融国道"

Core Insights - The article emphasizes the importance of IoT modules as foundational infrastructure for AI, which are often overlooked in favor of high-profile AI models from companies like OpenAI and Google [1] - A new payment standard, x402, has been introduced by Coinbase and Cloudflare for machine-to-machine transactions, indicating a shift towards automated payment systems in the AI economy [3] - The concept of machine credit is evolving, necessitating a new evaluation system independent of human credit scores to facilitate lending to machines [6][9] Group 1: Machine Economy and Payment Systems - The machine payment market is projected to reach $30 trillion by 2030, highlighting the urgency of establishing standards in this emerging field [3] - Current digital wallets based on high-level programming languages are inadequate for resource-constrained embedded devices, creating a significant gap in the market [1] - The transition from traditional static credit systems to dynamic, technology-based credit ratings is essential for the growth of the machine economy [10][12] Group 2: Credit Evaluation and Risk Management - Machine credit will be assessed based on technical performance metrics, such as uptime and code security audits, rather than human-like moral or legal standards [8][9] - A new financial model termed "flow payment financing" is emerging, where investors receive real-time cash flow from machines, minimizing risks associated with traditional loans [11] - The concept of asset liquefaction is introduced, where fixed assets can be transformed into liquid assets through automated transactions, enhancing resource allocation efficiency [17] Group 3: Strategic Implications for Manufacturing - Chinese manufacturers must evolve beyond hardware production to include financial capabilities in their devices to avoid becoming mere executors of foreign standards [18][19] - The BoAT technology path allows for blockchain integration in IoT devices, potentially giving China a competitive edge in the global market [25] - The article warns against the risk of hardware hollowing out, stressing the need for Chinese companies to establish their own value interaction protocols [18][20] Group 4: Future of the Machine Economy - The integration of blockchain technology and programmable digital currencies is crucial for creating a robust value network that supports the machine economy [26] - The shift towards a machine economy represents a fundamental change in production relationships and value distribution, with implications for wealth generation and economic status [26]