How to let AI Agent help you manage your finances on the chain?

Author: @Defi0xJeff, @steak_studio person in charge

Compiled: zhouzhou, BlockBeats

Editor's note: This article discusses the Web3-driven agency economy. AI agents improve productivity through automated tasks, bringing the transformation of services, that is, software, and breaking the boundaries of the traditional software market. Cryptokens in Web3 have become the core, and as currency for payment computing and services, promoting the development of a decentralized economy. The distribution network and coordination layer will benefit from this transformation and become the dominant force in the market. This article looks forward to the rise of the Web3 proxy economy and emphasizes the importance of token incentives in it.

The following is the original content (to facilitate reading comprehension, the original content has been compiled):

Whenever we experience technological changes, a new economic form will rise:

• Industrial Revolution➔ Manufacturing Economy
• Personal computer ➔ Software economy
• Internet➔ E-commerce Economy
• Streaming ➔ Subscription Economy
• Public Cloud➔ SaaS Economy
• iPhone ➔ App Economy
• Social Media➔ Creator Economy
• Bitcoin and Blockchain➔ Cryptocurrency/Web3 Economy➔ DeFi Economy
• Electric Vehicles➔ Clean/Green Technology Economy
• AI/Machine Learning (pre-LLM)➔ Forecasting/Automation Economy
• ·Large Language Models (LLMs)➔ Agency Economy

The rise of giants

As these changes occur, the main players will appear, capturing the majority of the economy:

➤ General Electric, Ford, Siemens, Caterpillar

➤ Microsoft, IBM, Oracle, Adobe

➤ Amazon, eBay, Alibaba, Shopify

➤ Netflix, Spotify, Disney+, Hulu

➤ AWS (Amazon), Microsoft Azure, Google Cloud, Salesforce, ServiceNow

➤ Apple, Google Play (Android), Tencent (WeChat), Meta (Instagram/WhatsApp)

➤ Meta (Facebook, Instagram), YouTube, TikTok, Patreon, Substack

➤ Coinbase, Binance, Ethereum, Solana, Uniswap, Aave

➤ Tesla, BYD, Rivian, Lucid, ChargePoint, CATL (battery)

➤ Google DeepMind, Palantir, Nvidia, UiPath

➤ OpenAI, Anthropic, Grok, DeepSeek, Alibaba, Hugging Face

The cracks that changers sneak into

These big players try to predict and capture the next emerging economic form, but because of their size and focus, they cannot capture all opportunities. This provides opportunities for smaller, more flexible companies to iterate ideas quickly and capture extremely segmented areas:

• Notion disrupts traditional enterprise collaboration and knowledge management (e.g., Confluence, SharePoint)
• Perplexity subverts search and information retrieval (e.g., Google Search, Wikipedia)
• Substack subverts traditional publishing and media (e.g., blogs, newsrooms, Medium)
• Grab/Uber disrupts urban transportation and logistics (e.g., taxi, car rental, delivery services)
• Netflix subverts cable and physical media (e.g. Blockbuster, traditional broadcast)
• Airbnb disrupts the hotel and accommodation industry (e.g. hotels, travel agencies)
• Amazon disrupts brick-and-mortar retail (e.g., Walmart, local stores, Sears)

When these players disrupt an industry, they change the way things work, and then they themselves become giants in new verticals, driving new emerging players to emerge that will disrupt them in the future.

Agent economy

In the agency economy, AI agents have greatly changed the way various industries operate - agents as digital workers, actively handle tasks, and agents are now very common, which can reduce user time and increase productivity. This makes goods/services more efficient, especially in industries where repetitive tasks are performed by humans. AI and AI agents can significantly reduce costs and increase productivity.

In Web2, showcase the best platform/distribution network for top startups used by AI and AI agents @ycombinator, especially in recent batches:

Midship—Use AI to expand financial auditing

Cuckoo—a real-time AI translator for global sales, marketing and support

Tempo—Enables designers and developers to collaborate and deliver faster, 10 times faster

Ascend—AI-based financial statement analysis platform

As large language models (LLMs) continue to improve, AI capabilities continue to increase, more industries are disrupted, and more productivity of roles and responsibilities is enhanced/enhanced (rather than replaced).

The rise of consumer AI in Web3

Although Y Combinator is a major distribution network in Web2, incubating and highlighting many quality AI startups, in Web3, @virtuals_io is playing a similar role through the AI ​​agent team, with the help of Agent Business Agreement (ACP) - an open standard for multi-agent business and coordination, that is, agents can collaborate with each other to provide services, negotiate prices, perform tasks, give evaluations, etc.

This has spawned a Web3-driven agency economy where agents collaborate to provide more value as users—automated hedge funds and media companies will be the first experiments for ACP to launch this economy.

A trillion dollar opportunity

As @sequoia said, “Cloud transformation is software as a service. Software companies become cloud service providers. This is a $350 billion opportunity.

Thanks to proxy reasoning, AI transformation is service, software. Software companies convert labor into software. This means that the accessible market is no longer the software market, but the service market measured in trillions of dollars. "

Now imagine a Web3-driven proxy economy where AI agents cut a small piece of the approximately $10 trillion market through crypto-native use cases (transactions, earning farming, i.e. crypto investments, and boosting growth through token incentives).

Distribution layer = King Maker

The distribution network/coordination layer will benefit the most from the proxy economy in this new transformation, as crypto tokens are at the heart of the Web3 AI monetization model—that is, tokens need to be pledged/destroyed/holded tokens to access core proxy products/use cases, and tokens pay for calculations and/or service fees as core currency.

The demand for tokens and the natural incentive alignment between the project's long-term supporters and the project means that there will always be a captureable transaction volume on DEX or some startup platform. A distribution layer that can coordinate an agency economy and capture this transaction volume will become the top player, accounting for part of the $10 trillion market.