Fig. 1 — Forecast (Aschenbrenner, Jun-2024, “total annual AI investment”) vs. actual/guided combined capex of Microsoft, Alphabet, Amazon and Meta only — a narrower base than the forecast, yet already running above it. Sources: company guidance, Yahoo Finance, ValueAddVC.
At @AIAgentsSummit Berlin, developers built with Circle Agent Stack and explored what the agentic economy can look like in practice.
We saw agents that could hold wallets, manage budgets, discover paid services, pay in USDC, and return receipts as part of the work they performed.
→ 25 unique submissions
→ Agent Wallet + x402 + Gateway payments
→ Real experiments in agentic commerce
Here are the top projects that stood out:
🏆 Proprietor [Winning Project]
An agent-run business using Circle Agent Wallet, Circle CLI, and x402 payments to earn revenue, pay supplier agents, manage margin, and return receipts. A great example of what autonomous companies could look like when agents control wallets.
https://t.co/JlThwfYqC3
🏆 BytomicProxy
A pay-per-request proxy using the Circle Agent Stack starter kit, Agent Wallet, x402/Gateway payments, and spend ledgers to make APIs and infrastructure agent-payable.
https://t.co/CPYRONd1z3
🏆 402Cards
An agentic commerce adapter using Circle Agent Wallet, ecosystem starter-kit components, and x402 payments to let agents buy items on mainnet through an agent-readable workflow.
https://t.co/3NiQ0ei1QR
🏆 giftr
A local gift marketplace using Circle Agent Wallet, Circle Gateway, Arc Testnet, and x402 batching so agents can browse, choose, and pay for gifts with USDC.
https://t.co/H4aQg14F57
🏆 SparkLead
A recurring competitor-intelligence workflow using the Circle starter kit, Agent Wallet, and x402 payments so an agent can pay per insight and deliver research.
https://t.co/9eY7gDSWej
The pattern was clear: The next wave of agents will not just generate answers.
They will discover services, pay for what they need, coordinate with other agents, and return receipts.
That is the agentic economy Circle Agent Stack is helping builders bring to life.
Another DeepSeek moment. This is the world’s first actual smart phone. It’s an engineering prototype of ZTE’s Nubia M153 running ByteDance’s Doubao AI agent fused into Android at the OS level. It has complete control over the phone. It can see the UI, choose/download apps, tap/type, call, and run multi-step task chains.
Here I just say (in English) “find someone to wait in line for me” (something you can do in China), and it picks which app to open, configures the job, and hands me one confirm screen. I wouldn’t otherwise know how to do this, and here the phone just did it in a matter of seconds.
We believe this is the first documented case of a large-scale AI cyberattack executed without substantial human intervention. It has significant implications for cybersecurity in the age of AI agents.
Read more: https://t.co/VxqERnPQRJ
He created a device that lets paralyzed individuals control phones, tablets, and computers with only their tongue.
Created by MIT-trained engineer Tomás Vega, the device sits on the roof of the mouth and works like a wireless trackpad.
𝗦𝗵𝗼𝗿𝘁 𝗡𝘃𝗶𝗱𝗶𝗮, 𝗟𝗼𝗻𝗴 𝗧𝗵𝗲𝗿𝗺𝗼𝗱𝘆𝗻𝗮𝗺𝗶𝗰𝘀.
We're proud to back @noumenal_labs, a project building "Thermodynamic Brain" for robots https://t.co/z6i4wTYmrN
@extropic just unveiled its thermodynamic chip, and Noumenal is building on it.
🧵👇
➥ Is Neobank The New Meta?
As crypto natives, we hate switching between wallets, banks, and DeFi apps.
Turns out, so do non-crypto users.
Crypto Neobanks bring everything together so you can save, spend, send, and earn from one place.
Here’s how they’re starting to dominate in 30s 🧵
— — —
► What is a NeoBank?
A crypto neobank is a digital bank built for the crypto economy.
It combines the ease of traditional banking with the control of DeFi, letting users manage fiat and crypto in one place.
➤ All-in-one access: Save, spend, send, and earn from one account.
➤ Stablecoin base: Use $USDT, $USDC, $USDe or any stablecoins as spendable money.
➤ Built-in ramps: Move between crypto and fiat instantly with linked cards.
➤ User control: Self-custody or audited contracts keep funds under your ownership.
—
► Leading Crypto Neobanks
Each platform has its unique focus, yet they all strive to integrate DeFi with everyday finance while offering various incentives.
Let's explore a few of them:
❶ Plasma One ( @Plasma )
➤ Stablecoin-native neobank on Plasma, built for global dollar access.
➤ Earn 10%+ on stablecoins while spending from your balance.
➤ Works in 150+ countries with @visa cards, 4% cashback, and zero-fee USDT transfers.
➤ Turns stablecoins into real, usable money worldwide.
❷ Tria ( @useTria )
➤ Multi-chain, self-custodial neobank on @arbitrum with gasless transactions.
➤ Earn up to 16% on USDC through integrated DeFi strategies.
➤ Physical and virtual visa cards, on/off ramps in 100+ countries, and rewards multipliers.
➤ Brings yield and payments together in one simple experience.
❸ EtherFi ( @ether_fi )
➤ Restaking platform turned DeFi neobank with global reach.
➤ $11B+ TVL, 3% cashback cards, and auto-compounding vaults.
➤ Supports $ETH, $BTC, and stablecoins with IBAN/SWIFT integration and “The Club” perks.
➤ Expands staking beyond yield into real banking utility.
❹ UR ( @UR_global by @Mantle_Official )
➤ Swiss-regulated neobank by Mantle, bridging fiat and DeFi for Asia.
➤ 0 off-ramp fees, free transfers, and 5% APY on USDe via @ethena.
➤ Multi-currency accounts with @mastercard integration for global payments.
➤ Combines compliance and accessibility, bringing regulated DeFi to mainstream users.
❺ Galaxy One ( @galaxyoneapp )
➤ U.S. neobank by Galaxy Digital combining crypto, cash, and equities.
➤ Earn up to 8% on cash, invest in crypto or ETFs, and spend through debit cards.
➤ FDIC and SIPC protection ensure full regulatory coverage.
➤ Blends traditional finance with Web3, setting a new compliance standard.
❻ MetaMask Card ( @MetaMask )
➤ MetaMask’s card lets users spend crypto anywhere mastercard is accepted.
➤ Supports USDC, USDT, and $WETH directly from your wallet.
➤ Keeps full self-custody, funds stay in your control until payment.
➤ Bridges wallets and real-world spending, making crypto usable day to day.
—
► Wrap-Up
Traditional banks are slow, costly, and limited by borders. Wallets and exchanges improved access but added new issues, no fiat link, no yield, and scattered experiences.
Crypto neobanks close that gap.
They let you earn, pay, and save in one place while keeping control of your assets. It blends the reliability of banking with the openness of DeFi.
Next comes on-chain credit, identity, and payroll. Finance is becoming borderless, instant, and built for the user.