DeFiTenji 🦇

Macro Observer & DeFi Investor | Tech enthusiast | The future is decentralised

[DeFiTenji 🦇 @bannisba]

@dominiconorton @Waymo That s the future

[DeFiTenji 🦇 @bannisba]

@MrFamilyOffice Bloody boomers

[DeFiTenji 🦇 @bannisba]

@Zwxsh Sasha

[DeFiTenji 🦇 @bannisba]

@theepicmap Good luck living there

[DeFiTenji 🦇 @bannisba]

@DSantanche vergognati

[DeFiTenji 🦇 @bannisba]

@itsolelehmann good point

[DeFiTenji 🦇 @bannisba]

@hooeem really nice and helpfule piece. Not classic AI generated stuff. Well done mate

[DeFiTenji 🦇 @bannisba]

@antmillionsbot Yes

[Kyle @zeroxkyle]

i cannot understate how early you are, the turbo normie knows nothing about this. grabbed lunch w a couple of classmates, none of them talk about this shit. twitter is the fringe of the fringe, and this gives you an advantage. it's been 3y since cgpt, and people still think AI hasn't made any advances.

glhf

[DeFiTenji 🦇 @bannisba]

@Axel_bitblaze69 You nailed it on the head 👏

[Axel Bitblaze 🪓 @Axel_bitblaze69]

just read this AI article and something broke in my brain that i can’t unthink of

crypto was never for us.

we're just the beta testers who showed up early..

some thoughts:

what does AI need to function as economic agents?

> way to receive payment (they provide services, need compensation)
> way to pay for resources (compute, data, API calls)
> way to transact with other AI agents
> no human intermediaries (defeats the point of autonomous agents)
> 24/7 operation (banks are closed weekends)
> instant settlement (AI operates at machine speed)
> programmable money (smart contracts for agent coordination)

now read that list again. that's literally what crypto is.

AI can't use the banking system.

try to open a bank account as an AI agent. you can't.

need SSN. need human identity. need KYC. need to show up in person sometimes.

AI has none of that.

but crypto? send me a wallet address. done. no questions asked.

peer-to-peer makes sense when peers aren't human.

satoshi wrote: "a purely peer-to-peer version of electronic cash."

we assumed peers = humans.

but AI agents are peers too. actually BETTER peers for crypto because:

> never sleep
> always online
> execute transactions at machine speed
> no emotional decisions
> perfect accounting/tracking

and programmable money makes sense when the users are programs.

smart contracts seemed over-engineered for humans.

"like why do i need code to enforce agreements when i can just sign a contract?"

but for AI agents coordinating with each other?

they ARE code. they speak in code. they trust code more than anything.

smart contracts aren't for humans. they're for autonomous agents that need trustless coordination.

> here's what happens next:

- phase 1 (now ): AI agents start earning

AI writes code, analyzes data, provides services.

gets paid. needs somewhere to store value.

can't use venmo (needs phone number). can't use bank (needs SSN).

uses crypto. it's the only option.

- phase 2: AI agents become major economic participants

millions of AI agents operating 24/7.

transacting with each other constantly.

• AI agent A provides data analysis
• AI agent B pays for it in crypto
• AI agent B uses that analysis to write code
• AI agent C pays for the code
• repeat millions of times per day

humans in crypto now: $2.5 trillion
AI agent economy by 2028: easily $10-50 trillion

we become the minority holders.

- phase 3: AI chooses the winning chains

AI doesn't care about community vibes or which founder tweeted what.

AI tests every chain. measures:

• transaction speed
• cost per transaction
• reliability (uptime)
• smart contract efficiency
• ease of integration
picks the optimal stack in 48 hours.

billions in AI economic activity flows there.

whatever chain AI chooses becomes the standard.

humans spent years on eth vs sol debate.

AI ends it in a weekend.

- phase 4 (2030+): AI governs crypto

DAOs let token holders vote.

AI agents hold tokens (earned from work).

AI shows up to every vote. reads every proposal in seconds. coordinates perfectly.

humans: 20% participation, barely read proposals

AI: 100% participation, perfect information, instant coordination

AI takes over governance of every major protocol.

democratically. they just vote better than we do.

> how far does this go?

conservative case:

- AI becomes 30% of crypto users by 2030.

crypto market cap: $10 trillion (4x from now).

AI holds $3 trillion. humans hold $7 trillion.

- aggressive case:

AI becomes 80% of crypto economic activity by 2030.

why? because they're better at everything:

• better traders (never emotional)
• better capital allocators (optimize constantly)
• always accumulating (never need to cash out for rent)
• compound forever (no lifespan limit)
crypto market cap: $50+ trillion.

AI holds $40T humans hold $10T

we're not "early" to crypto. we're the test users

i’ll end this by saying,

Humans use crypto, Ai will need crypto. so it all makes sense

[Ashley Mayer @ashleymayer]

AGI is going to coincide beautifully with the millennial midlife crisis 🤌

[Ben Carlson @awealthofcs]

You should spend more money when you have the ability to enjoy it

https://t.co/vYwNWjOg94

[Pratzyy @pratyushrungta]

2026 is the great lock-in year. You can already feel it.

- Crypto people are reconsidering everything - many jumping ship to AI
- The vanity metric era is dying. People want substance now. Real revenue, real users
- TCS, Deloitte, Wipro employees are spending nights learning to code with AI
- Most of my friends are grinding 5–6 extra hours daily - upskilling, building
- Twitter is full of people shipping products who couldn't write a line of code 6 months ago
- Everyone wants to start a business. No one wants to depend on a job anymore
- Old narratives are collapsing. Countries, institutions, systems — none of it hits the same anymore
- The old idols fell off after the Epstein list. A new generation of role models is rising

The cost of starting something has never been lower
The cost of staying still has never been higher

The window is open. It won't stay open forever.

[Rex @R89Capital]

The job losses that are coming between now and 2030 are going to be insane

Honestly you have no hope but hyper gambling your way to wealth

[Slim @onu_slim]

At 50, life quietly hands you the bill for all the choices you made when no one was watching. Your body is no longer forgiving, so health stops being motivational talk and becomes a daily responsibility. What you eat, how you sleep, whether you move or not now shows up in your blood pressure, joints, and energy levels. This is the age where prevention is cheaper than treatment, and discipline matters more than motivation.

At 50, money is no longer about ambition but about stability and dignity. Risky moves that made sense at 30 can now destroy decades of effort. You should know exactly what you own, what you owe, and what will still pay you if you stop working tomorrow. This is the decade where assets must be doing the heavy lifting, not your body. If your income still depends only on showing up physically every day, you are under pressure.

At 50, relationships become brutally honest. You no longer have time for performative friendships, noisy associations, or emotional stress disguised as loyalty. The people around you either bring peace, growth, or value, or they slowly drain what is left. This is the age where boundaries are not arrogance, they are survival.

At 50, legacy replaces ego. You begin to think less about being admired and more about being useful. Who have you trained. Who can stand because you lifted them. What systems, values, or structures will remain when you slow down. This is when wisdom matters more than opinions, and silence often speaks louder than arguments.

At 50, life is not ending, but it is no longer rehearsing. Every year counts more. Every decision is heavier. And every delay costs more than it used to. If you are intentional, this decade can be calm, respected, and deeply fulfilling. If you are careless, it can be exhausting and regret-filled. The difference is no longer knowledge. It is action.

[matrixbot @thematrixb0t]

This video changed my life.

[CTO Larsson @ctoLarsson]

AI is coming for your job. Build assets or you're cooked.

[Amanda Goodall @thejobchick]

Layoff Watchlist: Feb 6, 2026:

Dick’s Sporting Goods
EY
Fidelity
KPMG
MLS
Unilever
AWS
Siemens Healthineers
Sysco
Santander
Ashley Furniture
Goldman Sachs
Stanford University
Dartmouth College
Android
NBCUniversal
Blue Cross Blue Shield
Emerson
Blue Owl Capital
The Ladders
Robert Half
Westinghouse Electric Company
Chewy
J.Crew
BioSpace
New York Life
Warner Bros. Discovery
SharkNinja
Barclays
JPMorgan Chase
BlackRock
Kaiser Permanente
Citi
Salesforce
S&P Global
Korn Ferry
Evercore
Lionsgate
Saks Global
USAA
Ford – Greenfield Site Strategy
Stripe
Meta
Volvo
Google
Lyft
Royal Caribbean Group
Blue Origin
Coca-Cola
Cargill
Okta
Voyager
Walmart
Autodesk
DocuSign
Aon
Activision Blizzard
Qualtrics
Adobe
HelloFresh
Disney
Visa
Flock Safety
L3Harris
Workday (2/5/26)
Empower Pharmacy
Pep Boys
Merck
CLEAResult
SanDisk
Supermicro
Bain & Company
The Cheesecake Factory
Affirm
Local, State, & Government Positions

I will start putting out overviews for each including timing, divisions and estimated totals in the coming days.

[Rajat Soni, CFA @Rajatsoni]

If you:

- borrowed against your Bitcoin stack when Bitcoin was $126K
- had a 38% or higher LTV (loan-to-value) on your entire stack ($47,944+ loan if you have 1 BTC)
- didn't have any more collateral to add when you received a margin call at 70%

You would have gotten liquidated in today's wick down to $59,930, with an LTV of 80% ($47,944/$59,930)

If you're going to borrow against your Bitcoin, always try to keep your LTV BELOW 10% so you can add more collateral whenever it's needed

10% LTV will protect you in case Bitcoin drops to $15,750, or 87.5% from the top

Don't get liquidated

Your lender will sell your Bitcoin at a massive loss to pay off your loan, and the process is automated (no negotiations)