Real-world adoption in specific verticals like finance is shaping the MCP protocol. For example, legal contracts requiring mandatory attribution of third-party data are leading to a "financial services interest group" to define extensions. This shows how general-purpose protocols must adapt to niche industry compliance needs.
When large incumbents like Microsoft release features that seem late or inferior to startup versions, it's often not a lack of innovation. They must navigate a complex web of international regulations, accessibility rules, and compliance standards (like SOC 2 and ITAR) that inherently slow down development and deployment compared to nimble startups.
Institutions cannot expose their trading strategies or customer data on public blockchains. They view privacy not as a feature but as a 'non-negotiable' prerequisite. Until scalable, compliant privacy technologies are widely available, deep institutional engagement with DeFi will remain limited.
The evolution of a protocol like MCP depends on a tight feedback loop with real-world implementations. Open source clients such as Goose serve as a "reference implementation" to test and demonstrate the value of new, abstract specs like MCPUI (for user interfaces), making the protocol's benefits concrete.
A complete shift of financial assets to blockchain is imminent. This won't happen on transparent chains like Ethereum, but on purpose-built networks like Canton. The key enabler is configurable privacy, a feature that allows financial institutions to transact without broadcasting their proprietary positions to the entire world.
OpenAI integrated the Model-Centric Protocol (MCP) into its agentic APIs instead of building its own. The decision was driven by Anthropic treating MCP as a truly open standard, complete with a cross-company steering committee, which fostered trust and made adoption easy and pragmatic.
Placing MCP within a neutral foundation like the AAIF is a strategic move to build industry confidence. It guarantees the protocol will remain open and not be controlled or made proprietary by a single company (like Anthropic). This neutrality is critical for encouraging widespread, long-term investment and adoption.
The MCP protocol's primitives are not directly influenced by current model limitations. Instead, it was designed with the expectation that models would improve exponentially. For example, "progressive discovery" was built-in, anticipating that models could be trained to fetch context on-demand, solving future context bloat problems.
MCP was born from the need for a central dev team to scale its impact. By creating a protocol, they empowered individual teams at Anthropic to build and deploy their own MCP servers without being a bottleneck. This decentralized model is so successful the core team doesn't know about 90% of internal servers.
The AI space moves too quickly for slow, consensus-driven standards bodies like the IETF. MCP opted for a traditional open-source model with a small core maintainer group that makes final decisions. This hybrid of consensus and dictatorship enables the rapid iteration necessary to keep pace with AI advancements.
Contrary to belief, regulated sectors like finance and healthcare are early adopters of voice AI. This is because AI can be programmed for perfect compliance and offer a verifiable audit trail, outperforming human agents who are prone to error and harder to track.