#大佬观点

Brainfood founder @sytaylor says 3 bank CEOs called him in a panic over Meta's Muse, asking whether they need to launch their own AI agents: "I spoke to three bank CEOs a couple of weeks ago. They were all calling me in a panic saying, 'What do we do about Muse? Should we be launching our own agent? Do we have to move now?'" "Maybe my agent could be my stock picker. Maybe it could be sweeping cash into an overnight fund. Imagine if you had this private banker in your pocket just doing stuff for you." "How, as a financial institution, do I sell to an agent versus selling to a human? Maybe I'm not sponsoring stadiums anymore. I've gotta up my AEO game quite dramatically."

Nubank has more than 140 million customers. Now it’s taking its playbook to the US. I sat down with David Vélez, Founder and Global CEO of @Nubank, live at Nu Stadium, the day after the US launch. We get into the US launch with Lead Bank, Nu’s conditional OCC approval, and what’s under the hood of Nu Global, including Sygnum, Circle, Mastercard and Stripe. Plus AI credit models, banking agents, and the efficiency numbers that make other bank CEOs read and weep. Full interview below 👇 0:11 Nubank’s scale, efficiency, US launch, tokenization and AI 2:14 Chuck Feeney’s philanthropy and influence on David Vélez 4:13 Smart efficiency culture and Nubank’s branchless cost advantage 7:10 Hidden US banking costs and the underbanked opportunity 9:44 Nubank’s US strategy, Hispanic customers and incumbent competition 12:13 Customer obsession, NPS and long-term loyalty economics 16:48 Nu Global, stablecoin savings and international money movement 22:00 NuFormer foundation models for credit decisioning and financial AI 27:20 AI banking agents, financial guidance and cautious customer rollout 30:34 AI-driven workflow reinvention and Nubank’s flatter organization

my prediction: personal ai agents won’t monetize through monthly subscription fees. they’ll monetize by owning the fintech stack and earning revenue every time their users spend money. Instinct already measures internal performance based on monthly payment volume. to monetize this they can: > issue their own Visa credit card > earn 2-3% interchange on every transaction > negotiate bulk discounts directly with merchants > take a percentage of the savings they generate > earn yield on balances sitting inside the ecosystem instead of charging you $20/month to use your personal agent, the agent becomes the interface through which you spend thousands of dollars every month. if your agent books your flights, hotels, restaurants, and everyday purchases, owning the payment layer underneath becomes far more valuable than a $20/month subscription. the biggest personal ai companies will end up looking less like software companies and more like fintechs. personal ai agents + fintech will eventually blend into an entirely new category: agentic finance.

🚨 Ep. 103 of @TokenizedPod: Banks Are Going Onchain on Weekends @sytaylor & @cuysheffield are joined by: 👉 @ccatalini, Founder, @MIT Cryptoeconomics Lab To discuss: 🚀 OpenUSD launches across Tempo, Ethereum, Solana and Base 🏦 Lloyds pilots USDC settlement with Visa over seven days 🗓️ Weekend onchain settlement helps major banks gain blockchain experience 🤝 Citi and Coinbase enable corporate stablecoin acceptance via Spring 📊 Why consumer stablecoin payments lag while B2B use grows 🤖 Agentic banking fears, deposit flight and fintech competition 🤔 How banks should respond to AI agents and disappearing friction *** Timestamps: 00:00 Introduction 0:51 OpenUSD launches across Tempo, Ethereum, Solana and Base 14:55 Lloyds pilots USDC settlement with Visa over seven days 16:36 Weekend onchain settlement helps major banks gain blockchain experience 20:16 Citi and Coinbase enable corporate stablecoin acceptance via Spring 24:05 Why consumer stablecoin payments lag while B2B use grows 28:16 Agentic banking fears, deposit flight and fintech competition 36:03 How banks should respond to AI agents and disappearing friction *** 👉𝘚𝘦𝘢𝘳𝘤𝘩 '𝘛𝘰𝘬𝘦𝘯𝘪𝘻𝘦𝘥 𝘗𝘰𝘥𝘤𝘢𝘴𝘵' 𝘖𝘯 𝘠𝘰𝘶𝘛𝘶𝘣𝘦. 𝘈𝘱𝘱𝘭𝘦, 𝘚𝘱𝘰𝘵𝘪𝘧𝘺 𝘰𝘳 𝘢𝘯𝘺 𝘗𝘰𝘥𝘤𝘢𝘴𝘵 𝘗𝘭𝘢𝘺𝘦𝘳! 👈

Brainfood Founder @sytaylor says fintech is dead, we got the postmortem: "So I'm the fintech guy, and I've been known as the fintech guy for 15, 20 years...Like, am I trying to kill my own career here? What's going on?" "Look, you've probably used Monzo. You've probably heard of Revolut. NuBank is taking over the world." "These things are really big, but cloud and mobile were the last war...they've still got room to run, don't get me wrong." "But as an investment category, as a startup to get excited by, when's the last time you saw like a Monzo lookalike and went, 'Oh, yeah, that's cool?'" "If cloud and mobile were the thing of the last war, what's this war about? I think this war is about stablecoins, tokenization, and personal agents."

I’m a competent adult. Why do I need an “AI agent” to check into a flight for me? I’m literate. Why do I need an “AI agent” to read and write emails for me? Also, I don’t get so many emails that I can’t answer them myself. The reason “no one uses AI” is that there’s no serious utility here for the vast majority of people.

In the last 48 hours, @near_intents: > Detected and blocked stolen funds from an exchange hack > Got exploited, patched within hours. $3.8M lost, all being refunded CEX hacks (~$5B) and bridge exploits (~$3.7B) have been the two worst loss vectors in crypto. Refreshing to see a team take ownership of crypto's biggest weakness.

Proud of my longtime staffer, Chris Land, for being named one of The Hill's 25 Most Notable Hill Staffers of 2026. He has led our digital assets efforts and served as the lead policy staffer on the GENIUS Act and Clarity Act negotiations. Congrats, Chris! https://thehill.com/the-hill-notable-staffers-2026/6078048-chris-land-staff-director-senate-banking-subcommittee-digital-assets/