【The next bank run might not be caused by humans 😱🤖】
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I finished reading a new research report, and it sent a chill down my spine. The one managing your money in the future might not be a person. It could be an AI that never sleeps. It does just one thing: move money wherever interest rates are highest. If millions of AIs all do the same, banks lose their cheapest deposits. 🏦
The organization behind this report has some clout. It wrote that report on the AI apocalypse—the one about whether AI could go rogue. This time, it turns its attention to the crypto industry. AI needs a financial system that’s available around the clock and programmable. And blockchain happens to fit the bill. 🔗
Here’s how they see it playing out. Your personal AI gets authorization to manage your finances. It moves your deposits to whichever bank offers the highest rate. Millions of agents act at once. The low-cost deposits banks depend on are drained away. And just like that, an AI-triggered bank run draws near. ⚠️
The report’s author didn’t just write a paper. They funded an on-chain wallet with $1,000 and tried it out firsthand. They found that there’s already much more on-chain than crypto trading. There are tokenized Treasuries, stocks, and options. Lending, payments, and yield strategies are all there too. 🛠️
A few numbers make the case even more compelling. In September, on-chain trading volume for $SOL was intense. The number of trades at one point exceeded the NYSE’s. During those days in March when fighting broke out in the Middle East, oil prices were still being quoted on-chain. U.S. stock perpetual futures have already landed on regulators’ desks. Even Bloomberg terminals are displaying on-chain market data for $BTC . 📊
Regulators are changing their tune, too. The CLARITY Act failed to pass the Senate. Just two days later, the SEC granted an exemption for tokenized stocks. Personally, I don’t think the question is whether assets can go on-chain. It’s who will end up with the money once this takes off. 💭
📌 The convergence of AI and tokenization is finally opening the door to on-chain finance.
Would you trust AI to manage your money?
Join Mr. X’s fan chat from the homepage 🔥
I finished reading a new research report, and it sent a chill down my spine. The one managing your money in the future might not be a person. It could be an AI that never sleeps. It does just one thing: move money wherever interest rates are highest. If millions of AIs all do the same, banks lose their cheapest deposits. 🏦
The organization behind this report has some clout. It wrote that report on the AI apocalypse—the one about whether AI could go rogue. This time, it turns its attention to the crypto industry. AI needs a financial system that’s available around the clock and programmable. And blockchain happens to fit the bill. 🔗
Here’s how they see it playing out. Your personal AI gets authorization to manage your finances. It moves your deposits to whichever bank offers the highest rate. Millions of agents act at once. The low-cost deposits banks depend on are drained away. And just like that, an AI-triggered bank run draws near. ⚠️
The report’s author didn’t just write a paper. They funded an on-chain wallet with $1,000 and tried it out firsthand. They found that there’s already much more on-chain than crypto trading. There are tokenized Treasuries, stocks, and options. Lending, payments, and yield strategies are all there too. 🛠️
A few numbers make the case even more compelling. In September, on-chain trading volume for $SOL was intense. The number of trades at one point exceeded the NYSE’s. During those days in March when fighting broke out in the Middle East, oil prices were still being quoted on-chain. U.S. stock perpetual futures have already landed on regulators’ desks. Even Bloomberg terminals are displaying on-chain market data for $BTC . 📊
Regulators are changing their tune, too. The CLARITY Act failed to pass the Senate. Just two days later, the SEC granted an exemption for tokenized stocks. Personally, I don’t think the question is whether assets can go on-chain. It’s who will end up with the money once this takes off. 💭
📌 The convergence of AI and tokenization is finally opening the door to on-chain finance.
Would you trust AI to manage your money?