{ "schema_version": 1, "id": "2103146099036901498", "url": "https://x.com/Altcoinist/status/2103146099036901498", "generated_at": "2026-10-15T09:54:54.529531+00:00", "used_by": [ "ART-AT-010", "SRC-AT-010", "community" ], "post": { "id": "2103146099036901498", "url": "https://x.com/Altcoinist/status/2103146099036901498", "author": "Altcoinist", "author_name": "Altcoinist", "published_at": "Thu Sep 24 15:34:39 +0000 2026", "text": "https://x.com/i/article/2103048531527307264", "article": { "created_at": "2026-09-24T15:34:39.000Z", "modified_at": "2026-09-24T15:34:39.000Z", "id": "2103048531527307264", "title": "$100 $TIBBIR: The Race for Your Digital Life", "preview_text": "The version of crypto that wins will not look like crypto. BlackRock, the world’s largest asset manager at $15.3 trillion, published the most constructive institutional paper yet on the convergence of", "cover_media": { "id": "QXBpTWVkaWE6DAAFCgABHS/OtwdXQAAKAAIWLTBeidegBgAA", "media_id": "2103126836502806528", "media_info": { "__typename": "ApiImage", "color_info": { "palette": [ { "percentage": 31.16, "rgb": { "blue": 254, "green": 254, "red": 254 } }, { "percentage": 25.05, "rgb": { "blue": 72, "green": 251, "red": 118 } }, { "percentage": 18.43, "rgb": { "blue": 21, "green": 33, "red": 24 } }, { "percentage": 7.06, "rgb": { "blue": 35, "green": 120, "red": 59 } }, { "percentage": 4.55, "rgb": { "blue": 146, "green": 250, "red": 173 } } ] }, "original_img_height": 800, "original_img_url": "https://pbs.twimg.com/media/HS_OtwdXQAA_act.jpg", "original_img_width": 2000 }, "media_key": "3_2103126836502806528" }, "content": { "blocks": [ { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "rdua", "text": "The version of crypto that wins will not look like crypto. BlackRock, the world’s largest asset manager at $15.3 trillion, published the most constructive institutional paper yet on the convergence of crypto and AI.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7qjfd", "text": "The Machine-Native Economy describes agents that hire specialists, buy information, and pay to finish a job you asked for in a sentence. Blockchain sits inside the workflow.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 0, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "bcgdo", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1d24s", "text": "Read that again through the eyes of someone who has spent years waiting for crypto to reach everyday life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1t1cu", "text": "The customer can be software.\nThe payment can start with an ordinary request.\nThe person who benefits may never see a chain, a wallet, or a ticker.\nThat is how infrastructure wins. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 40, "offset": 0, "style": "Bold" } ], "key": "1tmnt", "text": "It disappears into the life it serves...", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 1, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "bpmb8", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "dtd20", "text": "Ribbit asked the sharper question two years earlier.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 42, "offset": 0, "style": "Bold" } ], "key": "5a1td", "text": "\"What does the Visa for agents look like?\"", "type": "blockquote" }, { "data": { "urls": [ { "fromIndex": 59, "text": "https://x.com/Altcoinist/status/2100318072611713462?s=20", "toIndex": 115 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "4c10a", "text": "That was the spine of \"I will retire you 3: The Network\". \nhttps://x.com/Altcoinist/status/2100318072611713462?s=20", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "e15b1", "text": "A network between a person and every firm that wants a piece of their financial life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 67, "offset": 0, "style": "Bold" } ], "key": "fueft", "text": "Visa became a $700 billion company by sitting in the middle of work other institutions still owned. Competing businesses used the same rails. The customer kept one relationship. Value moved.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "kgdp", "text": "Now the relationship is moving again. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 44, "offset": 0, "style": "Bold" } ], "key": "9g6bo", "text": "The prize is the person behind the accounts. ", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "54sbf", "text": "An assistant that understands your salary, your investments, your parents, your house deposit, and the cash you will not put at risk can influence where you save, borrow, insure, and spend. With your permission, it can take those decisions to the businesses able to carry them out.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "de03r", "text": "Your money already has a purpose. \nA home. A family. A company. \nThe freedom you keep checking the chart for. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "886q7", "text": "Whoever earns that trust becomes a door the rest of finance will pay to walk through. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9rlhv", "text": "The firms behind the assistant will need to recognize you, work with one another, and get paid for the slice they actually did. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "59dvu", "text": "That is the $100 TIBBIR thesis. ", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "83j0f", "text": "A network that coordinates useful financial work, with a durable link between the fees it earns and the asset.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "a0j98", "text": "Assistants are being invited into people’s financial lives. The race is which networks earn the coordination role, and which assets still have a price that assumes they might not.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1l1vc", "text": "I want that map while the pipes are still visible. Once the product feels obvious, the window is already smaller.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3qhpj", "text": "The first phase is already here.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 2, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "34m7t", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "foopo", "text": "ChatGPT is connecting the accounts", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 3, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "chh4n", "text": " ", "type": "atomic" }, { "data": { "mentions": [ { "fromIndex": 41, "text": "hirofinanceai", "toIndex": 55 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "7p63q", "text": "In September, Ethan Bloch (prev. founded @hirofinanceai , backed by Ribbit) announced that ChatGPT Finances now supports Coinbase connections through Plaid. He called it one of the most requested features.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 4, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "etfd", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "nld0", "text": "Robinhood was already named among supported institutions in May's launch reporting. Coinbase and Robinhood can now supply context to the same assistant. Plaid supplies the connection.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 5, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "1a4u1", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "a0qhd", "text": "There is a difference between asking a chatbot what Bitcoin is and letting it understand your crypto holdings alongside the rest of your financial life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "4eetm", "text": "The useful questions change. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d47nv", "text": "How exposed am I? What happens to my plans if this portfolio falls? How much of this money can I afford to commit while keeping the promises I have already made?", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 89, "offset": 24, "style": "Bold" } ], "key": "bnp0p", "text": "OpenAI said in May that more than 200 million people were coming to ChatGPT each month with financial questions. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "evq73", "text": "Connected accounts add personal context to some of those conversations. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 6, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "cc9cl", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "87r1i", "text": "Today, the account connections are read-only. ", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "64j43", "text": "ChatGPT Finances cannot trade or move that money for you.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1m8h7", "text": "But OpenAI has described a direction toward actions with partners such as Intuit, including credit applications and help arranging tax advice. Understanding the customer's situation gives an assistant a starting point for work that other businesses can perform.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 159, "offset": 0, "style": "Bold" } ], "key": "3a2fq", "text": "My expectation is that reading your financial life is the first phase. The larger opportunity begins when the assistant can carry out instructions you approve.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 7, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "f8bgn", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "aq53v", "text": "That transition requires more than a better model. ", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "bb6mg", "text": "Meta is building an assistant that can pay with approval. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "eg1ld", "text": "Grok is building one that keeps working after you close the app. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ahvcv", "text": "OpenAI is rumored to be doing the same.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 8, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "59ik4", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "age4l", "text": "The competition is for the assistant you trust to keep your life moving. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "14j4l", "text": "Once it understands your goals and has permission to act, it can influence which businesses get your next booking, purchase or financial request.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d9ge2", "text": "Those businesses will need to recognize its authority, deliver the service and collect payment. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "pi5o", "text": "This is the territory Ribbit has been studying for years.", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 9, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4i0oh", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 25, "offset": 26, "style": "Italic" } ], "key": "39vf0", "text": "From context to action... (sounds like new fintech)", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f1fjp", "text": "ChatGPT Finances connects accounts for read-only context and analysis today. Authorized execution across independent providers is the broader future workflow proposed in this article. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 10, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "ag2tj", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f8g8v", "text": "Ribbit drew this life before the connections arrived...", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "cm3vl", "text": "Open Ribbit Capital's January 2024 Identity Letter.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c44m0", "text": "There is a family trip. An assistant uses personal context and asks for additional permissions as the task expands into other parts of family life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 10, "offset": 24, "style": "Bold" } ], "key": "ege9d", "text": "The assistant is called Ribbita AI.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3tajs", "text": "Ribbit was already exploring a financial identity richer than a name, a document and an account balance. Your obligations, preferences and goals affect what a good decision looks like. An assistant needs access to the relevant parts, with your control over what gets shared.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 11, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8fs4u", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1snvk", "text": "November 2024. San Francisco.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ddq3g", "text": "Ribbit, OpenAI, Robinhood and Crossmint were among the organizers of Hacking for Agentic Finance.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 12, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "cuvc2", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6ffoe", "text": "The November 2024 brief asked:", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 42, "offset": 0, "style": "Bold" } ], "key": "dkcc0", "text": "“What does the Visa for agents look like?”", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 13, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "chl2b", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "eb2o8", "text": "The same brief invited work on self-driving money, agent commerce and business payments. The Visa question appeared under identity and fraud: how to recognize agents and establish their authority.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "nvv3", "text": "That was a public invitation to build, issued before today's account connections made the customer experience easier to picture.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 14, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "ddv9m", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "bfnno", "text": "In June 2025, Ribbit made the architecture explicit. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8mkp1", "text": "Turn to page five of its Token Letter.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 22, "offset": 2, "style": "Bold" } ], "key": "1rv68", "text": "A personal finance agent sits between the customer and specialists in budgeting, insurance, estate planning, investing and tax. Underneath it, Ribbit draws the inputs those specialists need: identity, context, assets, access and memory.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 5, "offset": 23, "style": "Bold" }, { "length": 5, "offset": 48, "style": "Bold" }, { "length": 5, "offset": 70, "style": "Bold" } ], "key": "8egru", "text": "Under access, it names Plaid for bank accounts, Gusto for payroll and Drive for documents. At the other end are completed tax returns, budgets, portfolio reports and plans.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3or9c", "text": "Ribbit’s personal finance agent, drawn in 2025", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b873t", "text": "Token Letter, June 2025, p. 5. Identity, context, assets, access and memory feed a personal finance agent and specialist services. The diagram’s tokens represent inputs and work products; it does not specify TIBBIR economics.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 15, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "cqm20", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "dvujj", "text": "Look at the progression. In 2024, a personal assistant with context and permissions. In 2025, a diagram of the specialists doing the work. In 2026, financial accounts connecting to ChatGPT, with Plaid supplying the connection.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 16, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "6d6u4", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 73, "offset": 0, "style": "Bold" } ], "key": "1s0l7", "text": "The customer experience now taking shape is one Ribbit had already drawn.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ars1e", "text": "That is the confluence I find compelling. The diagram describes how agent services could work; the economic case for TIBBIR still has to connect that work to the asset.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fidrk", "text": "Then listen to Micky Malka on David Senra's podcast in August 2026.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 15, "offset": 25, "style": "Bold" }, { "length": 39, "offset": 308, "style": "Italic" } ], "key": "ej7t1", "text": "“So what I expect to see VERY, VERY soon is an AI agent that can go and do all kinds of investment decisions, recommendations. He can go do all kinds of commerce decisions and recommendations, and he can start to do any kind of payment decisions and recommendations on your behalf.”… “We're just starting.”- Micky Malka, speaking with David Senra.", "type": "blockquote" }, { "data": {}, "entityRanges": [ { "key": 17, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "2u4sd", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7jq81", "text": "He connects that expectation to blockchains, smart contracts and financial systems available around the clock. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "e1521", "text": "He names Robinhood among the companies pushing forward...", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "amt1q", "text": "Elsewhere in the interview, he says Ribbit builds its own technology stack and describes the firm as a company he intends to keep building. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 18, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "80uog", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 70, "offset": 36, "style": "Bold" } ], "key": "5h67o", "text": "His connection to Visa goes deeper. Micky says he spent 10 or 12 years learning from its founder, Dee Hock. He describes independent institutions competing for customers while benefiting from a shared network.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fc01h", "text": "A person who helped back Robinhood and Coinbase, learned directly from Hock and spent years thinking about identity is now describing agents acting across your financial life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9d6ms", "text": "I pay attention when the products start moving in the same direction.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 19, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "67a77", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1hsv9", "text": "Time to connect some dots ", "type": "header-one" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5o9c2", "text": "🐸", "type": "header-one" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "764tl", "text": "The funding trail...", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "86jj3", "text": "What if the same firms now describing the machine-native economy already financed the pipe that lets an assistant see your accounts?", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 20, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "7tvs", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 19, "offset": 10, "style": "Bold" } ], "key": "8muq", "text": "The First Ribbit & BlackRock Confluence", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 75, "offset": 0, "style": "Bold" } ], "key": "cfvkv", "text": "Ribbit and BlackRock both participated in Plaid’s April 2025 funding round. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 21, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "52o0", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2d3bb", "text": "The same Plaid now connecting people’s financial accounts to ChatGPT.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2uomn", "text": "That gives this story a concrete connection: two investors backing the infrastructure that lets an assistant understand your financial life, while their published ideas explore what agents could do with that context.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 85, "offset": 0, "style": "Bold" } ], "key": "1s0gc", "text": "Keep that shared investment in mind when you look at what they drew, two years apart.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 22, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "e3fpo", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 40, "offset": 0, "style": "Bold" } ], "key": "9u18q", "text": "The Second Ribbit & BlackRock Confluence", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 26, "offset": 29, "style": "Italic" } ], "key": "742fv", "text": "BlackRock's September paper, The Machine-Native Economy, includes a familiar request: book a trip for under $2,500.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 23, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8q0l2", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9fo64", "text": "A primary agent uses customer context. It delegates research to a travel specialist. The specialist buys airfare and hotel data. Payments accompany parts of the work, and reservations pass through merchant checkout.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "aole9", "text": "Put that diagram beside Ribbit's earlier family-travel concept.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d0t3", "text": "2026: BlackRock’s travel workflow", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8na3o", "text": "The Machine-Native Economy, September 2026. Figure 2, p. 6: a primary agent coordinates data access, a travel specialist, payments and reservations.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 24, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "aubqe", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b01os", "text": "2024 Ribbit’s Ribbita AI concept", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "808lg", "text": "Original concept. Identity Letter, January 2024, pp. 7–8. The three-phone illustration on p. 7 and its explanation on p. 8 show a customer sharing context and permissions with Ribbita AI to plan a family trip. Source reproduction from FrogHybrid’s thesis.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 25, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8c23d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7i7uq", "text": "The overlap is clear.", "type": "header-one" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d69a0", "text": "One person's request creates work for several independent businesses. The assistant needs a way to coordinate them under the customer's instructions.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5uf6o", "text": "BlackRock's example shows a major financial institution taking the architecture seriously: agents using both blockchain infrastructure and existing payment systems to complete a task.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "dantn", "text": "For crypto, that is a consequential market to consider. Machines can buy data, hire specialists, and pay for resources while doing something useful for a human being.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "15auk", "text": "The user sees the completed trip. Several businesses see a customer.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 26, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "dnm4q", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 37, "offset": 0, "style": "Bold" } ], "key": "avg3n", "text": "Why tokenization belongs in the story", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b6heg", "text": "This also explains why tokenization matters to the story.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "en4ah", "text": "An agent needs more than information about an asset. It needs reliable ways to check ownership, determine what it is allowed to do, and complete a transaction.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b0jc4", "text": "Tokenization can represent assets and their associated rights in a standardized form that software can verify and use. A fund holding becomes something an authorized system can check, transfer or use as collateral, subject to the rules attached to it. Personal information can remain off-chain while credentials establish eligibility.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 27, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "csam5", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "cc3sl", "text": "Programmable payment infrastructure supplies another part: transactions that can run around the clock, small payments for data or compute, and settlement linked to conditions being met. Existing banking and card systems will serve many of these workflows too. BlackRock’s paper describes both paths.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "45i6r", "text": "AI makes more of the world understandable to software. Tokenization can make more of its economic value verifiable and usable by software.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "62lpm", "text": "That is why agents strengthen the case for these rails. As machines take on more financial work, they need assets, context, permissions, and payments they can rely on.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 28, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "5ttr3", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 29, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "e15mq", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "a0a88", "text": "Give that assistant a real life to work with", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6vr4", "text": "Imagine you want to buy a home next year.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "86a4u", "text": "You have money in a bank, investments in Robinhood, and crypto in Coinbase. A tax payment is coming. You help your parents every month. Your partner wants enough cash available to feel comfortable making the move.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "932r2", "text": "Today, you assemble the picture yourself. You check balances, ask questions, compare terms, and repeat your situation to each provider.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1m0l3", "text": "In the future I am describing, an assistant keeps those constraints together. It compares financing options against the deposit you can actually use. It brings in a tax specialist before recommending an asset sale. It finds a better place for cash that must remain accessible.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9sdii", "text": "You can authorize research without authorizing a trade. You can approve a payment without giving permanent access to the account. The assistant asks when a decision exceeds its mandate.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2iikr", "text": "The benefit is having your whole situation considered while the work gets done. You still choose the life you want. You spend less of it carrying information between companies.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 30, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "364hr", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 43, "offset": 0, "style": "Bold" } ], "key": "4fubg", "text": "Parts of the machinery are already visible.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fauiq", "text": "Robinhood offers dedicated Agentic Trading accounts through which supported third-party agents can act within customer controls. It shows that financial context and controlled execution are both being developed, through different routes.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 31, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8lb6m", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b4mit", "text": "Robinhood Earn also illustrates how specialists can serve a customer through a familiar app: Morpho supplies credit infrastructure, Steakhouse curates vaults and Robinhood provides distribution, with settlement on Robinhood Chain. The lending carries risk. These products do not yet form the complete financial workflow imagined above.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 32, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "dub9d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c06t4", "text": "Lighter adds another piece. The Ribbit-backed exchange is available to eligible users through Robinhood Wallet, while its separate Agent Kit gives AI agents tools to trade on Lighter, including its Robinhood Chain deployment. Consumer access and agent execution are developing around the same trading infrastructure.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 33, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "89tfb", "text": " ", "type": "atomic" }, { "data": { "cashtags": [ { "fromIndex": 235, "text": "TIBBIR", "toIndex": 242 } ], "mentions": [ { "fromIndex": 105, "text": "virtuals_io", "toIndex": 117 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "2rf3c", "text": "Robinhood and Coinbase give an agent a place to act. Morpho and Lighter do the job underneath the brand. @virtuals_io is where the agent itself can exist as an economic object: identity, wallet, ticker, and a way to hire or get hired. $TIBBIR launched there. That is closer to the Visa question than a brokerage button. Specialists show up, get paid, and do not have to live inside one company’s app. It is not the finished network. It is the first onchain version of the coordination idea. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 34, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "bpapi", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c2h5t", "text": "The division of work is what interests me. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "cc0mp", "text": "A company can own the customer relationship while another supplies a service underneath it.", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 35, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "74ke8", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8rdbr", "text": "For a business, the need repeats constantly. An invoice arrives late. Payroll is due. A supplier wants payment in another country. Cash sits in one account while an obligation approaches in another.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8tjri", "text": "A useful assistant would coordinate identity, collections, liquidity, financing and payments around the same operating picture. Businesses will judge that service by completed work, costs and reliability. Their willingness to pay would come from the value of the job.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "63vvf", "text": "This is a market for ongoing financial work across individuals and businesses, with agents becoming customers of other services along the way.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 36, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "3a20h", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ebknu", "text": "The work behind one request.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5uag3", "text": "An illustrative financial-life workflow: an agent understands a customer’s needs, uses permitted context, engages specialists and acts within approved limits. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 37, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4t1g", "text": " ", "type": "atomic" }, { "data": { "cashtags": [ { "fromIndex": 32, "text": "TIBBIR", "toIndex": 39 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "41q4t", "text": "The work has to earn its way to $TIBBIR", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "98u1k", "text": "An assistant needs access to providers it does not own. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7getl", "text": "Those providers have their own customers, investors, and reasons to participate.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5ao6f", "text": "A lender wants suitable borrowers. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2kjha", "text": "An identity provider wants verification business. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "4lfoi", "text": "A specialist wants payment for work delivered. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2amkv", "text": "Each has to gain something from joining the network.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 38, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "7snbv", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3qp24", "text": "Identity is already part of the infrastructure surrounding OpenAI. Persona's customer case study documents sanctions screening, and OpenAI identifies Persona as an age-verification provider. Ribbit co-led Persona's 2025 Series D.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 39, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4o6fj", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f52i5", "text": "A working network still needs rules for access, permissions, service quality and payment. Ordinary contracts can handle much of that. A shared asset adds an economic proposition: participants can earn from their own services while retaining exposure to the network they help make more useful.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9u3c8", "text": "For that proposition to matter, participation must improve something. It might help attract providers, reward contributions or give independent businesses a common interest in expanding access. The arrangements must make sense to the companies doing the work.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 40, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "461dq", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1942a", "text": "Ribbita's commerce experiment with Crossmint gives the TIBBIR thesis a specific starting point.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2bckh", "text": "It publicly described customer commerce linked to TIBBIR purchases and burns, and presented the store as a probe for a network.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 41, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "btv3j", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "mp8a", "text": "The announced two-for-one design would require additional funding or a different accounting basis; its complete funding path remains unresolved. It does not establish recurring economics funded entirely by customers. What it puts on the table is a route from activity elsewhere in the system to demand for TIBBIR.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 37, "offset": 0, "style": "Bold" }, { "length": 84, "offset": 38, "style": "Bold" } ], "key": "cdmo5", "text": "Customers could pay in dollars, cards, or stablecoins while a designated fee earned behind the transaction buys the token.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6g3ba", "text": "That is how the customer base could reach people who never visit a crypto exchange. A person wants a problem solved. A business wants work completed. If an agreed fee reaches TIBBIR purchases, their activity can matter to the asset without requiring them to think about it.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8se2h", "text": "There is a hard commercial question here. Agents should make comparison easier and put pressure on financial fees. A coordinator cannot assume it gets paid simply because a transaction passed through.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2ph7t", "text": "It must provide something worth buying: dependable authorization, access to useful specialists, reliable execution, fraud controls or help when a service fails. The fee has to leave the customer better off after paying it.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5orr1", "text": "The strongest version of this thesis is a network that earns repeat business and has a durable, transparent arrangement connecting some of that earned revenue to TIBBIR. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "312t7", "text": "That is the economic bridge the $100 case requires. The industry signals make the opportunity easier to see. The commercial design has to make it valuable to this asset.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 42, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "avh2d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3ojb7", "text": "What the $100 case asks us to believe", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 44, "offset": 3, "style": "Bold" }, { "length": 47, "offset": 71, "style": "Bold" } ], "key": "cqq8g", "text": "At 4 million active users and 60,000 businesses, this scenario reaches $800 million in annual coordination-fee revenue.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1t5pa", "text": "The users can come for personal finances, investing or trading. Businesses can bring recurring work in payments, liquidity and collections. Every additional customer expands the opportunity to earn fees by getting that work done.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 48, "offset": 31, "style": "Bold" }, { "length": 33, "offset": 86, "style": "Bold" }, { "length": 21, "offset": 144, "style": "Bold" }, { "length": 38, "offset": 187, "style": "Bold" }, { "length": 22, "offset": 236, "style": "Bold" } ], "key": "14adv", "text": "Here is the arithmetic. Assume $10,000 of fee-eligible annual activity per user and a 0.50% designated coordination fee. That earns the network $50 per user per year. A business bringing $2 million of eligible annual activity generates $10,000 in annual fees at the same rate.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8npke", "text": "Hold those assumptions constant as the network grows:", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 33, "offset": 0, "style": "Bold" }, { "length": 18, "offset": 91, "style": "Bold" } ], "key": "eamde", "text": "100,000 users + 1,500 businesses: $5 million in user fees + $15 million in business fees = $20 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 33, "offset": 0, "style": "Bold" }, { "length": 19, "offset": 62, "style": "Bold" } ], "key": "b3nfk", "text": "500,000 users + 7,500 businesses: $25 million + $75 million = $100 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 38, "offset": 0, "style": "Bold" }, { "length": 19, "offset": 68, "style": "Bold" } ], "key": "1ctn0", "text": "1.5 million users + 22,500 businesses: $75 million + $225 million = $300 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 36, "offset": 0, "style": "Bold" }, { "length": 19, "offset": 67, "style": "Bold" } ], "key": "882d7", "text": "4 million users + 60,000 businesses: $200 million + $600 million = $800 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5b8oo", "text": "For context, Ribbit Capital portfolio companies have a cumulative 800+ million user reach in fintech & crypto and aim to reach 2 billion people this decade.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 78, "offset": 30, "style": "Bold" } ], "key": "34rpr", "text": "At the largest scale, that is $160 billion of eligible annual activity × 0.50% = $800 million in annual fees. The white portion of each bar is revenue from users; the green portion is revenue from businesses.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 43, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "52skj", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 14, "offset": 185, "style": "Bold" } ], "key": "biiaf", "text": "These are illustrative network sizes, not dates on a forecast. Each active user represents a full year of modeled activity, and businesses are counted separately. Businesses contribute 75% of revenue in every bar, so repeat commercial work is central to reaching these totals.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2h6ip", "text": "Only activity that earns the designated fee enters the calculation. Connected balances and trading volume do not qualify automatically, and each transaction is counted once across the network. The chart shows coordination-fee revenue before costs or allocation, not profit or an automatic payment to token holders. ", "type": "unstyled" }, { "data": { "cashtags": [ { "fromIndex": 4, "text": "TIBBIR", "toIndex": 11 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "7eqbj", "text": "For $TIBBIR, the next requirement is a durable arrangement connecting that earned revenue to the asset. The separate valuation model assumes designated fees fund purchases and burns, leaving 919 million tokens. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 59, "offset": 17, "style": "Bold" }, { "length": 20, "offset": 89, "style": "Bold" }, { "length": 3, "offset": 114, "style": "Bold" }, { "length": 6, "offset": 130, "style": "Bold" } ], "key": "d7s4u", "text": "At an aggressive 120× multiple of $800 million in annual token-directed fees, it implies about $100 per token; at 60×, it implies $52.23. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6u6b4", "text": "Those additional assumptions are detailed in the model notes. What makes the opportunity worth examining is the work itself. People already manage money, invest and trade. Businesses already pay to manage payments, liquidity and obligations. A network that reliably coordinates that work can earn repeat business as more users and providers join. The full growth assumptions and separate token valuation sit in the model notes. The network must earn the revenue before the model can assign value to it.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 44, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "9nidc", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 64, "offset": 0, "style": "Bold" } ], "key": "bguo", "text": "The work agents could coordinate is being measured in trillions.", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 45, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "dovu6", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 112, "offset": 18, "style": "Bold" } ], "key": "dvqon", "text": "McKinsey projects $3 trillion to $5 trillion in global consumer-goods commerce could be orchestrated by AI agents annually by 2030. That estimate covers goods alone. Services and business-to-business commerce sit outside it. McKinsey research.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 76, "offset": 77, "style": "Bold" }, { "length": 86, "offset": 177, "style": "Bold" } ], "key": "7t9pm", "text": "The infrastructure behind that opportunity is growing too. BlackRock reports more than $11 trillion in adjusted stablecoin transaction volume during 2025 and cites estimates of more than $5 trillion in cumulative AI infrastructure investment between 2025 and 2030. BlackRock’s paper.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 46, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "rdb2", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fse1e", "text": "These figures measure different things and cannot be added into one market total. They show the scale of commerce agents could influence, the payment infrastructure they could use, and the investment going into the systems that power them.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9fvmk", "text": "For me, the opportunity is to build a network (VISA for agents) that earns a lasting place in that activity: helping people manage money, helping businesses get paid, and coordinating the providers needed to finish the work.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 89, "offset": 0, "style": "Bold" } ], "key": "f9saf", "text": "The $100 case translates that wider opportunity into paying customers and recurring fees.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 47, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "48al5", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ektct", "text": "The life on the other side of the screen", "type": "header-one" }, { "data": {}, "entityRanges": [ { "key": 48, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "f27eq", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9d8vg", "text": "Return to the person trying to buy a home.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1b5i2", "text": "Their money has a purpose. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7k6s", "text": "So does the time they spend managing it.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "54j52", "text": "A financial assistant becomes valuable when it understands both and can get useful work done without taking control away from them.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f3s2r", "text": "That is the future I want to see built: more people getting the kind of attention that has usually required wealth, staff or hours of their own time.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "dtdfo", "text": "Crypto has a chance to supply part of the infrastructure and a way for independent participants to share in its growth.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 39, "offset": 181, "style": "Bold" } ], "key": "adcv7", "text": "The demand can come from people getting on with their lives: keeping a house deposit intact, collecting an invoice, getting a family trip booked within a budget they can afford, or managing a portfolio to retire earlier.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c74h0", "text": "I believe an assistant trusted with those decisions can become a powerful source of business for the providers behind it. A network that helps those providers cooperate has an opportunity to earn a place in transactions that repeat for years.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1g5g6", "text": "My $100 TIBBIR case is that this network can become valuable enough, and connect enough of its earned economics to the token, to support that price.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5gqmi", "text": "The people paying for it would have their own reasons to return.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2cjoh", "text": "They would be buying help with the lives they want to build.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 49, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "ev950", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 50, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "c9g3d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 51, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "17mtf", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 52, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "f4fh0", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8ea8q", "text": "If you have no idea what this article was talking about, start with the TIBBIR trilogy:", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ais1i", "text": "Part 1: Who is Micky Malka, Ribbit, The Origins of TIBBIR\nPart 2: Trust, Identity\nPart 3: The Network", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 53, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "59s7c", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 54, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "9mus8", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 55, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "1jutl", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 56, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "6pmme", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 57, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4uts5", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 58, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "1ok03", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 530, "offset": 0, "style": "Italic" } ], "key": "ea0gi", "text": "Independent speculative analysis by Altcoinist. This article is not financial advice and is not an offer to buy or sell any asset. BlackRock, OpenAI, Ribbit Capital, Coinbase, Robinhood, Virtuals, and the other firms named here have not endorsed TIBBIR, reviewed this thesis, or established a partnership with the author. Product descriptions are taken from public materials; they do not imply a commercial arrangement with TIBBIR. Modeled prices are illustrations of scale, not forecasts or recommendations. 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Once the product feels obvious, the window is already smaller.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3qhpj", "text": "The first phase is already here.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 2, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "34m7t", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "foopo", "text": "ChatGPT is connecting the accounts", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 3, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "chh4n", "text": " ", "type": "atomic" }, { "data": { "mentions": [ { "fromIndex": 41, "text": "hirofinanceai", "toIndex": 55 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "7p63q", "text": "In September, Ethan Bloch (prev. founded @hirofinanceai , backed by Ribbit) announced that ChatGPT Finances now supports Coinbase connections through Plaid. He called it one of the most requested features.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 4, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "etfd", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "nld0", "text": "Robinhood was already named among supported institutions in May's launch reporting. Coinbase and Robinhood can now supply context to the same assistant. Plaid supplies the connection.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 5, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "1a4u1", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "a0qhd", "text": "There is a difference between asking a chatbot what Bitcoin is and letting it understand your crypto holdings alongside the rest of your financial life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "4eetm", "text": "The useful questions change. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d47nv", "text": "How exposed am I? What happens to my plans if this portfolio falls? How much of this money can I afford to commit while keeping the promises I have already made?", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 89, "offset": 24, "style": "Bold" } ], "key": "bnp0p", "text": "OpenAI said in May that more than 200 million people were coming to ChatGPT each month with financial questions. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "evq73", "text": "Connected accounts add personal context to some of those conversations. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 6, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "cc9cl", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "87r1i", "text": "Today, the account connections are read-only. ", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "64j43", "text": "ChatGPT Finances cannot trade or move that money for you.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1m8h7", "text": "But OpenAI has described a direction toward actions with partners such as Intuit, including credit applications and help arranging tax advice. Understanding the customer's situation gives an assistant a starting point for work that other businesses can perform.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 159, "offset": 0, "style": "Bold" } ], "key": "3a2fq", "text": "My expectation is that reading your financial life is the first phase. The larger opportunity begins when the assistant can carry out instructions you approve.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 7, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "f8bgn", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "aq53v", "text": "That transition requires more than a better model. ", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "bb6mg", "text": "Meta is building an assistant that can pay with approval. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "eg1ld", "text": "Grok is building one that keeps working after you close the app. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ahvcv", "text": "OpenAI is rumored to be doing the same.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 8, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "59ik4", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "age4l", "text": "The competition is for the assistant you trust to keep your life moving. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "14j4l", "text": "Once it understands your goals and has permission to act, it can influence which businesses get your next booking, purchase or financial request.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d9ge2", "text": "Those businesses will need to recognize its authority, deliver the service and collect payment. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "pi5o", "text": "This is the territory Ribbit has been studying for years.", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 9, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4i0oh", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 25, "offset": 26, "style": "Italic" } ], "key": "39vf0", "text": "From context to action... (sounds like new fintech)", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f1fjp", "text": "ChatGPT Finances connects accounts for read-only context and analysis today. Authorized execution across independent providers is the broader future workflow proposed in this article. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 10, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "ag2tj", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f8g8v", "text": "Ribbit drew this life before the connections arrived...", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "cm3vl", "text": "Open Ribbit Capital's January 2024 Identity Letter.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c44m0", "text": "There is a family trip. An assistant uses personal context and asks for additional permissions as the task expands into other parts of family life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 10, "offset": 24, "style": "Bold" } ], "key": "ege9d", "text": "The assistant is called Ribbita AI.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3tajs", "text": "Ribbit was already exploring a financial identity richer than a name, a document and an account balance. Your obligations, preferences and goals affect what a good decision looks like. An assistant needs access to the relevant parts, with your control over what gets shared.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 11, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8fs4u", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1snvk", "text": "November 2024. San Francisco.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ddq3g", "text": "Ribbit, OpenAI, Robinhood and Crossmint were among the organizers of Hacking for Agentic Finance.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 12, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "cuvc2", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6ffoe", "text": "The November 2024 brief asked:", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 42, "offset": 0, "style": "Bold" } ], "key": "dkcc0", "text": "“What does the Visa for agents look like?”", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 13, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "chl2b", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "eb2o8", "text": "The same brief invited work on self-driving money, agent commerce and business payments. The Visa question appeared under identity and fraud: how to recognize agents and establish their authority.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "nvv3", "text": "That was a public invitation to build, issued before today's account connections made the customer experience easier to picture.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 14, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "ddv9m", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "bfnno", "text": "In June 2025, Ribbit made the architecture explicit. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8mkp1", "text": "Turn to page five of its Token Letter.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 22, "offset": 2, "style": "Bold" } ], "key": "1rv68", "text": "A personal finance agent sits between the customer and specialists in budgeting, insurance, estate planning, investing and tax. Underneath it, Ribbit draws the inputs those specialists need: identity, context, assets, access and memory.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 5, "offset": 23, "style": "Bold" }, { "length": 5, "offset": 48, "style": "Bold" }, { "length": 5, "offset": 70, "style": "Bold" } ], "key": "8egru", "text": "Under access, it names Plaid for bank accounts, Gusto for payroll and Drive for documents. At the other end are completed tax returns, budgets, portfolio reports and plans.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3or9c", "text": "Ribbit’s personal finance agent, drawn in 2025", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b873t", "text": "Token Letter, June 2025, p. 5. Identity, context, assets, access and memory feed a personal finance agent and specialist services. The diagram’s tokens represent inputs and work products; it does not specify TIBBIR economics.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 15, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "cqm20", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "dvujj", "text": "Look at the progression. In 2024, a personal assistant with context and permissions. In 2025, a diagram of the specialists doing the work. In 2026, financial accounts connecting to ChatGPT, with Plaid supplying the connection.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 16, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "6d6u4", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 73, "offset": 0, "style": "Bold" } ], "key": "1s0l7", "text": "The customer experience now taking shape is one Ribbit had already drawn.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ars1e", "text": "That is the confluence I find compelling. The diagram describes how agent services could work; the economic case for TIBBIR still has to connect that work to the asset.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fidrk", "text": "Then listen to Micky Malka on David Senra's podcast in August 2026.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 15, "offset": 25, "style": "Bold" }, { "length": 39, "offset": 308, "style": "Italic" } ], "key": "ej7t1", "text": "“So what I expect to see VERY, VERY soon is an AI agent that can go and do all kinds of investment decisions, recommendations. He can go do all kinds of commerce decisions and recommendations, and he can start to do any kind of payment decisions and recommendations on your behalf.”… “We're just starting.”- Micky Malka, speaking with David Senra.", "type": "blockquote" }, { "data": {}, "entityRanges": [ { "key": 17, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "2u4sd", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7jq81", "text": "He connects that expectation to blockchains, smart contracts and financial systems available around the clock. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "e1521", "text": "He names Robinhood among the companies pushing forward...", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "amt1q", "text": "Elsewhere in the interview, he says Ribbit builds its own technology stack and describes the firm as a company he intends to keep building. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 18, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "80uog", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 70, "offset": 36, "style": "Bold" } ], "key": "5h67o", "text": "His connection to Visa goes deeper. Micky says he spent 10 or 12 years learning from its founder, Dee Hock. He describes independent institutions competing for customers while benefiting from a shared network.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fc01h", "text": "A person who helped back Robinhood and Coinbase, learned directly from Hock and spent years thinking about identity is now describing agents acting across your financial life.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9d6ms", "text": "I pay attention when the products start moving in the same direction.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 19, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "67a77", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1hsv9", "text": "Time to connect some dots ", "type": "header-one" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5o9c2", "text": "🐸", "type": "header-one" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "764tl", "text": "The funding trail...", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "86jj3", "text": "What if the same firms now describing the machine-native economy already financed the pipe that lets an assistant see your accounts?", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 20, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "7tvs", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 19, "offset": 10, "style": "Bold" } ], "key": "8muq", "text": "The First Ribbit & BlackRock Confluence", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 75, "offset": 0, "style": "Bold" } ], "key": "cfvkv", "text": "Ribbit and BlackRock both participated in Plaid’s April 2025 funding round. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 21, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "52o0", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2d3bb", "text": "The same Plaid now connecting people’s financial accounts to ChatGPT.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2uomn", "text": "That gives this story a concrete connection: two investors backing the infrastructure that lets an assistant understand your financial life, while their published ideas explore what agents could do with that context.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 85, "offset": 0, "style": "Bold" } ], "key": "1s0gc", "text": "Keep that shared investment in mind when you look at what they drew, two years apart.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 22, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "e3fpo", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 40, "offset": 0, "style": "Bold" } ], "key": "9u18q", "text": "The Second Ribbit & BlackRock Confluence", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 26, "offset": 29, "style": "Italic" } ], "key": "742fv", "text": "BlackRock's September paper, The Machine-Native Economy, includes a familiar request: book a trip for under $2,500.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 23, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8q0l2", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9fo64", "text": "A primary agent uses customer context. It delegates research to a travel specialist. The specialist buys airfare and hotel data. Payments accompany parts of the work, and reservations pass through merchant checkout.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "aole9", "text": "Put that diagram beside Ribbit's earlier family-travel concept.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d0t3", "text": "2026: BlackRock’s travel workflow", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8na3o", "text": "The Machine-Native Economy, September 2026. Figure 2, p. 6: a primary agent coordinates data access, a travel specialist, payments and reservations.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 24, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "aubqe", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b01os", "text": "2024 Ribbit’s Ribbita AI concept", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "808lg", "text": "Original concept. Identity Letter, January 2024, pp. 7–8. The three-phone illustration on p. 7 and its explanation on p. 8 show a customer sharing context and permissions with Ribbita AI to plan a family trip. Source reproduction from FrogHybrid’s thesis.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 25, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8c23d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7i7uq", "text": "The overlap is clear.", "type": "header-one" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "d69a0", "text": "One person's request creates work for several independent businesses. The assistant needs a way to coordinate them under the customer's instructions.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5uf6o", "text": "BlackRock's example shows a major financial institution taking the architecture seriously: agents using both blockchain infrastructure and existing payment systems to complete a task.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "dantn", "text": "For crypto, that is a consequential market to consider. Machines can buy data, hire specialists, and pay for resources while doing something useful for a human being.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "15auk", "text": "The user sees the completed trip. Several businesses see a customer.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 26, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "dnm4q", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 37, "offset": 0, "style": "Bold" } ], "key": "avg3n", "text": "Why tokenization belongs in the story", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b6heg", "text": "This also explains why tokenization matters to the story.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "en4ah", "text": "An agent needs more than information about an asset. It needs reliable ways to check ownership, determine what it is allowed to do, and complete a transaction.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b0jc4", "text": "Tokenization can represent assets and their associated rights in a standardized form that software can verify and use. A fund holding becomes something an authorized system can check, transfer or use as collateral, subject to the rules attached to it. Personal information can remain off-chain while credentials establish eligibility.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 27, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "csam5", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "cc3sl", "text": "Programmable payment infrastructure supplies another part: transactions that can run around the clock, small payments for data or compute, and settlement linked to conditions being met. Existing banking and card systems will serve many of these workflows too. BlackRock’s paper describes both paths.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "45i6r", "text": "AI makes more of the world understandable to software. Tokenization can make more of its economic value verifiable and usable by software.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "62lpm", "text": "That is why agents strengthen the case for these rails. As machines take on more financial work, they need assets, context, permissions, and payments they can rely on.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 28, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "5ttr3", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 29, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "e15mq", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "a0a88", "text": "Give that assistant a real life to work with", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6vr4", "text": "Imagine you want to buy a home next year.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "86a4u", "text": "You have money in a bank, investments in Robinhood, and crypto in Coinbase. A tax payment is coming. You help your parents every month. Your partner wants enough cash available to feel comfortable making the move.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "932r2", "text": "Today, you assemble the picture yourself. You check balances, ask questions, compare terms, and repeat your situation to each provider.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1m0l3", "text": "In the future I am describing, an assistant keeps those constraints together. It compares financing options against the deposit you can actually use. It brings in a tax specialist before recommending an asset sale. It finds a better place for cash that must remain accessible.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9sdii", "text": "You can authorize research without authorizing a trade. You can approve a payment without giving permanent access to the account. The assistant asks when a decision exceeds its mandate.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2iikr", "text": "The benefit is having your whole situation considered while the work gets done. You still choose the life you want. You spend less of it carrying information between companies.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 30, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "364hr", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 43, "offset": 0, "style": "Bold" } ], "key": "4fubg", "text": "Parts of the machinery are already visible.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fauiq", "text": "Robinhood offers dedicated Agentic Trading accounts through which supported third-party agents can act within customer controls. It shows that financial context and controlled execution are both being developed, through different routes.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 31, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "8lb6m", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "b4mit", "text": "Robinhood Earn also illustrates how specialists can serve a customer through a familiar app: Morpho supplies credit infrastructure, Steakhouse curates vaults and Robinhood provides distribution, with settlement on Robinhood Chain. The lending carries risk. These products do not yet form the complete financial workflow imagined above.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 32, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "dub9d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c06t4", "text": "Lighter adds another piece. The Ribbit-backed exchange is available to eligible users through Robinhood Wallet, while its separate Agent Kit gives AI agents tools to trade on Lighter, including its Robinhood Chain deployment. Consumer access and agent execution are developing around the same trading infrastructure.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 33, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "89tfb", "text": " ", "type": "atomic" }, { "data": { "cashtags": [ { "fromIndex": 235, "text": "TIBBIR", "toIndex": 242 } ], "mentions": [ { "fromIndex": 105, "text": "virtuals_io", "toIndex": 117 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "2rf3c", "text": "Robinhood and Coinbase give an agent a place to act. Morpho and Lighter do the job underneath the brand. @virtuals_io is where the agent itself can exist as an economic object: identity, wallet, ticker, and a way to hire or get hired. $TIBBIR launched there. That is closer to the Visa question than a brokerage button. Specialists show up, get paid, and do not have to live inside one company’s app. It is not the finished network. It is the first onchain version of the coordination idea. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 34, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "bpapi", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c2h5t", "text": "The division of work is what interests me. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "cc0mp", "text": "A company can own the customer relationship while another supplies a service underneath it.", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 35, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "74ke8", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8rdbr", "text": "For a business, the need repeats constantly. An invoice arrives late. Payroll is due. A supplier wants payment in another country. Cash sits in one account while an obligation approaches in another.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8tjri", "text": "A useful assistant would coordinate identity, collections, liquidity, financing and payments around the same operating picture. Businesses will judge that service by completed work, costs and reliability. Their willingness to pay would come from the value of the job.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "63vvf", "text": "This is a market for ongoing financial work across individuals and businesses, with agents becoming customers of other services along the way.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 36, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "3a20h", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ebknu", "text": "The work behind one request.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5uag3", "text": "An illustrative financial-life workflow: an agent understands a customer’s needs, uses permitted context, engages specialists and acts within approved limits. ", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 37, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4t1g", "text": " ", "type": "atomic" }, { "data": { "cashtags": [ { "fromIndex": 32, "text": "TIBBIR", "toIndex": 39 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "41q4t", "text": "The work has to earn its way to $TIBBIR", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "98u1k", "text": "An assistant needs access to providers it does not own. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7getl", "text": "Those providers have their own customers, investors, and reasons to participate.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5ao6f", "text": "A lender wants suitable borrowers. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2kjha", "text": "An identity provider wants verification business. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "4lfoi", "text": "A specialist wants payment for work delivered. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2amkv", "text": "Each has to gain something from joining the network.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 38, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "7snbv", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3qp24", "text": "Identity is already part of the infrastructure surrounding OpenAI. Persona's customer case study documents sanctions screening, and OpenAI identifies Persona as an age-verification provider. Ribbit co-led Persona's 2025 Series D.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 39, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4o6fj", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f52i5", "text": "A working network still needs rules for access, permissions, service quality and payment. Ordinary contracts can handle much of that. A shared asset adds an economic proposition: participants can earn from their own services while retaining exposure to the network they help make more useful.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9u3c8", "text": "For that proposition to matter, participation must improve something. It might help attract providers, reward contributions or give independent businesses a common interest in expanding access. The arrangements must make sense to the companies doing the work.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 40, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "461dq", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1942a", "text": "Ribbita's commerce experiment with Crossmint gives the TIBBIR thesis a specific starting point.", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2bckh", "text": "It publicly described customer commerce linked to TIBBIR purchases and burns, and presented the store as a probe for a network.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 41, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "btv3j", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "mp8a", "text": "The announced two-for-one design would require additional funding or a different accounting basis; its complete funding path remains unresolved. It does not establish recurring economics funded entirely by customers. What it puts on the table is a route from activity elsewhere in the system to demand for TIBBIR.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 37, "offset": 0, "style": "Bold" }, { "length": 84, "offset": 38, "style": "Bold" } ], "key": "cdmo5", "text": "Customers could pay in dollars, cards, or stablecoins while a designated fee earned behind the transaction buys the token.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6g3ba", "text": "That is how the customer base could reach people who never visit a crypto exchange. A person wants a problem solved. A business wants work completed. If an agreed fee reaches TIBBIR purchases, their activity can matter to the asset without requiring them to think about it.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8se2h", "text": "There is a hard commercial question here. Agents should make comparison easier and put pressure on financial fees. A coordinator cannot assume it gets paid simply because a transaction passed through.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2ph7t", "text": "It must provide something worth buying: dependable authorization, access to useful specialists, reliable execution, fraud controls or help when a service fails. The fee has to leave the customer better off after paying it.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5orr1", "text": "The strongest version of this thesis is a network that earns repeat business and has a durable, transparent arrangement connecting some of that earned revenue to TIBBIR. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "312t7", "text": "That is the economic bridge the $100 case requires. The industry signals make the opportunity easier to see. The commercial design has to make it valuable to this asset.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 42, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "avh2d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "3ojb7", "text": "What the $100 case asks us to believe", "type": "header-two" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 44, "offset": 3, "style": "Bold" }, { "length": 47, "offset": 71, "style": "Bold" } ], "key": "cqq8g", "text": "At 4 million active users and 60,000 businesses, this scenario reaches $800 million in annual coordination-fee revenue.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1t5pa", "text": "The users can come for personal finances, investing or trading. Businesses can bring recurring work in payments, liquidity and collections. Every additional customer expands the opportunity to earn fees by getting that work done.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 48, "offset": 31, "style": "Bold" }, { "length": 33, "offset": 86, "style": "Bold" }, { "length": 21, "offset": 144, "style": "Bold" }, { "length": 38, "offset": 187, "style": "Bold" }, { "length": 22, "offset": 236, "style": "Bold" } ], "key": "14adv", "text": "Here is the arithmetic. Assume $10,000 of fee-eligible annual activity per user and a 0.50% designated coordination fee. That earns the network $50 per user per year. A business bringing $2 million of eligible annual activity generates $10,000 in annual fees at the same rate.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8npke", "text": "Hold those assumptions constant as the network grows:", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 33, "offset": 0, "style": "Bold" }, { "length": 18, "offset": 91, "style": "Bold" } ], "key": "eamde", "text": "100,000 users + 1,500 businesses: $5 million in user fees + $15 million in business fees = $20 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 33, "offset": 0, "style": "Bold" }, { "length": 19, "offset": 62, "style": "Bold" } ], "key": "b3nfk", "text": "500,000 users + 7,500 businesses: $25 million + $75 million = $100 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 38, "offset": 0, "style": "Bold" }, { "length": 19, "offset": 68, "style": "Bold" } ], "key": "1ctn0", "text": "1.5 million users + 22,500 businesses: $75 million + $225 million = $300 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 36, "offset": 0, "style": "Bold" }, { "length": 19, "offset": 67, "style": "Bold" } ], "key": "882d7", "text": "4 million users + 60,000 businesses: $200 million + $600 million = $800 million a year.", "type": "unordered-list-item" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5b8oo", "text": "For context, Ribbit Capital portfolio companies have a cumulative 800+ million user reach in fintech & crypto and aim to reach 2 billion people this decade.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 78, "offset": 30, "style": "Bold" } ], "key": "34rpr", "text": "At the largest scale, that is $160 billion of eligible annual activity × 0.50% = $800 million in annual fees. The white portion of each bar is revenue from users; the green portion is revenue from businesses.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 43, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "52skj", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 14, "offset": 185, "style": "Bold" } ], "key": "biiaf", "text": "These are illustrative network sizes, not dates on a forecast. Each active user represents a full year of modeled activity, and businesses are counted separately. Businesses contribute 75% of revenue in every bar, so repeat commercial work is central to reaching these totals.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2h6ip", "text": "Only activity that earns the designated fee enters the calculation. Connected balances and trading volume do not qualify automatically, and each transaction is counted once across the network. The chart shows coordination-fee revenue before costs or allocation, not profit or an automatic payment to token holders. ", "type": "unstyled" }, { "data": { "cashtags": [ { "fromIndex": 4, "text": "TIBBIR", "toIndex": 11 } ] }, "entityRanges": [], "inlineStyleRanges": [], "key": "7eqbj", "text": "For $TIBBIR, the next requirement is a durable arrangement connecting that earned revenue to the asset. The separate valuation model assumes designated fees fund purchases and burns, leaving 919 million tokens. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 59, "offset": 17, "style": "Bold" }, { "length": 20, "offset": 89, "style": "Bold" }, { "length": 3, "offset": 114, "style": "Bold" }, { "length": 6, "offset": 130, "style": "Bold" } ], "key": "d7s4u", "text": "At an aggressive 120× multiple of $800 million in annual token-directed fees, it implies about $100 per token; at 60×, it implies $52.23. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "6u6b4", "text": "Those additional assumptions are detailed in the model notes. What makes the opportunity worth examining is the work itself. People already manage money, invest and trade. Businesses already pay to manage payments, liquidity and obligations. A network that reliably coordinates that work can earn repeat business as more users and providers join. The full growth assumptions and separate token valuation sit in the model notes. The network must earn the revenue before the model can assign value to it.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 44, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "9nidc", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 64, "offset": 0, "style": "Bold" } ], "key": "bguo", "text": "The work agents could coordinate is being measured in trillions.", "type": "header-two" }, { "data": {}, "entityRanges": [ { "key": 45, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "dovu6", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 112, "offset": 18, "style": "Bold" } ], "key": "dvqon", "text": "McKinsey projects $3 trillion to $5 trillion in global consumer-goods commerce could be orchestrated by AI agents annually by 2030. That estimate covers goods alone. Services and business-to-business commerce sit outside it. McKinsey research.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 76, "offset": 77, "style": "Bold" }, { "length": 86, "offset": 177, "style": "Bold" } ], "key": "7t9pm", "text": "The infrastructure behind that opportunity is growing too. BlackRock reports more than $11 trillion in adjusted stablecoin transaction volume during 2025 and cites estimates of more than $5 trillion in cumulative AI infrastructure investment between 2025 and 2030. BlackRock’s paper.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 46, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "rdb2", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "fse1e", "text": "These figures measure different things and cannot be added into one market total. They show the scale of commerce agents could influence, the payment infrastructure they could use, and the investment going into the systems that power them.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9fvmk", "text": "For me, the opportunity is to build a network (VISA for agents) that earns a lasting place in that activity: helping people manage money, helping businesses get paid, and coordinating the providers needed to finish the work.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 89, "offset": 0, "style": "Bold" } ], "key": "f9saf", "text": "The $100 case translates that wider opportunity into paying customers and recurring fees.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 47, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "48al5", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ektct", "text": "The life on the other side of the screen", "type": "header-one" }, { "data": {}, "entityRanges": [ { "key": 48, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "f27eq", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "9d8vg", "text": "Return to the person trying to buy a home.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1b5i2", "text": "Their money has a purpose. ", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "7k6s", "text": "So does the time they spend managing it.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "54j52", "text": "A financial assistant becomes valuable when it understands both and can get useful work done without taking control away from them.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "f3s2r", "text": "That is the future I want to see built: more people getting the kind of attention that has usually required wealth, staff or hours of their own time.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "dtdfo", "text": "Crypto has a chance to supply part of the infrastructure and a way for independent participants to share in its growth.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 39, "offset": 181, "style": "Bold" } ], "key": "adcv7", "text": "The demand can come from people getting on with their lives: keeping a house deposit intact, collecting an invoice, getting a family trip booked within a budget they can afford, or managing a portfolio to retire earlier.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "c74h0", "text": "I believe an assistant trusted with those decisions can become a powerful source of business for the providers behind it. A network that helps those providers cooperate has an opportunity to earn a place in transactions that repeat for years.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "1g5g6", "text": "My $100 TIBBIR case is that this network can become valuable enough, and connect enough of its earned economics to the token, to support that price.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "5gqmi", "text": "The people paying for it would have their own reasons to return.", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "2cjoh", "text": "They would be buying help with the lives they want to build.", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 49, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "ev950", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 50, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "c9g3d", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 51, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "17mtf", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 52, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "f4fh0", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "8ea8q", "text": "If you have no idea what this article was talking about, start with the TIBBIR trilogy:", "type": "unstyled" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [], "key": "ais1i", "text": "Part 1: Who is Micky Malka, Ribbit, The Origins of TIBBIR\nPart 2: Trust, Identity\nPart 3: The Network", "type": "unstyled" }, { "data": {}, "entityRanges": [ { "key": 53, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "59s7c", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 54, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "9mus8", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 55, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "1jutl", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 56, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "6pmme", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 57, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "4uts5", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [ { "key": 58, "length": 1, "offset": 0 } ], "inlineStyleRanges": [], "key": "1ok03", "text": " ", "type": "atomic" }, { "data": {}, "entityRanges": [], "inlineStyleRanges": [ { "length": 530, "offset": 0, "style": "Italic" } ], "key": "ea0gi", "text": "Independent speculative analysis by Altcoinist. This article is not financial advice and is not an offer to buy or sell any asset. BlackRock, OpenAI, Ribbit Capital, Coinbase, Robinhood, Virtuals, and the other firms named here have not endorsed TIBBIR, reviewed this thesis, or established a partnership with the author. Product descriptions are taken from public materials; they do not imply a commercial arrangement with TIBBIR. Modeled prices are illustrations of scale, not forecasts or recommendations. 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