According to @LexSokolin, AI now underwrites loans faster than humans, detects fraud better, and manages portfolios better, while banks still make users wait about three days for an ACH transfer, underscoring a gap between AI capability and legacy payment rails, source: Lex Sokolin on X, Nov 30, 2025. According to @LexSokolin, this contrast challenges the idea of shorting AI companies and is directly relevant to positioning in AI equities and fintech, source: Lex Sokolin on X, Nov 30, 2025. According to @LexSokolin, the takeaway for traders is that payment-rail latency remains a critical bottleneck, bringing focus to exposures linked to faster digital finance infrastructure and crypto payment narratives, source: Lex Sokolin on X, Nov 30, 2025.