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1. Transformation: Shifting from human-centered finance to AI-native finance
The evolution of human history can be defined by the changes in the form of ledgers, from clay tablets to double-entry bookkeeping, ultimately to digital banking. Every financial system is designed based on the same assumption: the operator is human.
This assumption is now outdated.
Humanity is stepping into an era where software not only records value but also determines the allocation of value. Artificial intelligence is transitioning from a passive tool to an active economic participant, with AI agents beginning to negotiate, trade, and execute at speeds and scales unattainable by human-led financial systems.

Listen, I speak frankly, most so-called educational technology is just old wine in new bottles, but occasionally some truly game-changing things appear, such as artificial intelligence memory, especially Kinic AI memory, which is one of them. Next, I will explain the reasons directly.
What is so special about artificial intelligence memory?
The problem with most artificial intelligence tools is: they forget. You have a conversation with someone, close the window, and then - bang! The conversation is gone, you have to start over, re-explain everything, re-upload the same document, it's like teaching, where students forget every night, which is completely useless.

Consensus 2026 marks an important milestone as it returns to Hong Kong and makes its debut in Miami, expanding the reach of the world's oldest and most influential cryptocurrency conference.
Following the sell-out of tickets for the inaugural conference in 2025, the Hong Kong Consensus Conference will return from February 10 to 12, 2026, bringing together global leaders to accelerate cross-border innovation, promote cooperation between the East and West, and support Hong Kong's economic development.
Consensus Miami will debut at the iconic Miami Beach Convention Center from May 5 to 7, 2026, bringing three days of exciting activities, top-tier trading, and cultural exchange to North America's cryptocurrency capital.

Dear community partners:
We are pleased to announce that zCloak Network has officially joined the newly established Agentic AI Foundation (AAIF) under the Linux Foundation, becoming the first Web3 company to join this organization!
This marks our collaboration with leading global AI companies and open-source organizations, including Google, OpenAI, and Amazon, to jointly promote the development of a trustworthy and privacy-preserving Agentic AI ecosystem.
The Agentic AI Foundation (AAIF) was officially established on December 9, 2025, hosted by the Linux Foundation, with the aim of providing a neutral, open-source governance framework for the rapidly evolving Agentic AI.

Introduction: The Mystery of the 50 Billion Dollar Disappearance
In February 2025, a heavy blow was dealt to the history of cryptocurrency: the most trusted multi-signature solution in the industry, Safe (Wallet), lost 1.6 billion dollars in a front-end attack. This was not due to some obscure zero-day exploit or a breakthrough in quantum computing, but because of a persistent flaw that has existed since the inception of self-encryption: the weakness of the user interface for key operations.
Since 2020, over 50 billion dollars have vanished from wallets that claimed to be secure. Hacker attacks seem eerily similar: the blockchain has not been breached, cryptography has not been cracked, yet funds mysteriously disappear. The unacceptable truth is: 'secure' wallets are not actually secure - the lock may be strong enough, but we often guard the wrong door.

Artificial intelligence systems are making decisions that affect the flow of funds, medical outcomes, and autonomous actions. However, how can we verify that the AI is truly computing what it claims to compute? Is it using the model it promised to use? Has it leaked your data in the process?
There are many ways to implement verifiable artificial intelligence, such as trusted hardware, consensus mechanisms, and re-execution within secure enclaves. Each method has its advantages, but the most interesting approach is Zero-Knowledge Machine Learning (ZKML), which addresses the verification problem through pure mathematics and minimal trust assumptions.

Titanium diamond earrings designed by Suzanne Syz
Suzanne Szy Art Jewels has partnered with the Swiss technology company Origyn Foundation to launch the first high-end jewelry collection fully certified on the blockchain.
Szy provides digital certification for each of the 1001 pieces she designed during her 24-year career, with a complete digital passport detailing the origins of the jewelry and its materials. She feels 'very excited' to be able to accomplish this work.

‘Because my jewelry is all unique creations, I want to ensure their authenticity and allow the story behind each piece to be securely passed down. The blockchain happens to meet my needs.’ She told me in a phone interview: ‘The certification information is stored in a customer-exclusive digital vault, hosted by Origyn, secure and private, like a tamper-proof digital ledger. Once written, the information cannot be changed, making blockchain the ideal tool for protecting the identity of jewelry.’

zCloak Network is powered by ICP technology, creating an unbreakable security environment for your assets:
Fully on-chain: Front-end and data directly hosted on the blockchain

Architectural security: No need for mnemonic phrases or exploiting server vulnerabilities
True self-hosting: Your keys directly control on-chain smart contracts
Tamper-proof, censorship-resistant, built for the future of enterprise finance
zCloak.Money is a multi-signature wallet launched by zCloak Network, the first 100% on-chain, architecturally secure wallet designed for decision-makers, and also the first enterprise-level Passkey wallet supported by Coinbase Ventures. With zCloak.Money, enterprises can obtain: