The Token Letter imagines many apps consolidating into a few primary agents with wallet access and personal context, while explicitly declining to predict one service will dominate.A prospective investment thesis. The same page seeks teams building agent payments, identity, memory ownership and financial services.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse