According to Lex Sokolin (@LexSokolin), AI-powered agents will enable smartphones to autonomously invest, pay interest, generate royalties, provide mortgage services, create bank accounts, and issue credit cards within the next five years. This evolution in mobile finance is expected to drive significant demand for decentralized finance (DeFi) protocols and digital asset management platforms, as seamless integration with crypto wallets and blockchain-based financial products becomes essential for users and traders. Sokolin’s projection highlights the urgent need for crypto traders to monitor the adoption of AI-agent-powered financial apps, which could accelerate blockchain transaction volumes and reshape the competitive landscape for digital banking and crypto exchanges (Source: Lex Sokolin, Twitter, May 18, 2025).

According to Edward Dowd, ratings agencies assigned AAA ratings to certain tranches of collateralized debt obligations (CDOs) before the Global Financial Crisis (GFC), highlighting how reliance on external ratings can mask underlying risk (source: @DowdEdward on Twitter, May 14, 2025). For crypto traders, this historical failure underscores the need for robust independent risk assessment in decentralized finance (DeFi) products and tokenized debt instruments, especially as more traditional financial products are being recreated on blockchain platforms.