That moment when your AI agent is more aggressive about snagging you a gym spot than you ever would be… and starts cancelling strangers. We are not ready for the social norms of agent-to-agent conflict. Without protocol-level rules, governing autonomous negotiations, personal agents are about to unleash absolute local chaos. #AIAgents# #AgenticAI# #AutonomousAgents# #AgentToAgent# #PersonalAI# #AgentConflict#

Personalized software for individuals is so easy to create now with AI, and we can see plenty of fun examples here on X But will folks really use their own creations? It seems unlikely. Making a personal game, for example, is fun for like 2 mins and then gets boring. Most of the fun of gaming is unpredictably experiencing someone else’s carefully thought-out creation and mastering it. I don’t think most personal apps will be useful at all except for the joy of creating them. But ironically the easier they are to create, the more fleeting the joy. A lot of the fun of creating software is also sharing it with friends and seeing their reactions. But folks don’t want to spend much time with someone else’s half assed vibe coded product. So it ends up that most people find joy mainly in bragging about their creations…. which no one uses, including themselves. Humans are hard to please! Even with our own self-made creations

personalisation will be the biggest story in finance & trading - for the next 5 years: 1) why? - today, finance lacks personalization because txns are mostly context-free eg. a credit card txn is just: amount + time + counterparty/merchant (too little signal for true personalisation) - one can argue merchant/category helps, but it’s still shallow eg. the same $500 nike txn could mean marathon training, flipping a drop, or buying your girl a gift. amount + category can’t distinguish them and the data is expensive & available only to select hedge funds who use it to predict consumer trends 2) so, how to solve? - many fintechs tried in 2010s to build “personal finance” or even “robo-advisor” apps but they all failed as txns hardly had any context - they all gave generic market advice (based on hardcoded user risk preferences) while social media (tiktok/insta/X) got hugely personalised as content already has context built-in and you can have profiling based on that context - and that led to whole dopamine loops (initially caption & hashtags were used as context) - real personalization comes from ‘why’ the txn happened, not just ‘what’ happened if you think every trade or payment has a context i.e there’s always a story (eg. leo’s salp longed mu because they believe in memory shortage story or i bought this black casio to signal lowkey cool) 3) why now? - finance (both payments & trading) is becoming increasingly a socio-cultural phenomenon eg. streamers or tiktoks influence majority of our spending or trading decisions + we like to share every trade/purchase with our friends - ai agents can natively attach intent, goals, and context to every txn and ai is increasingly getting better at ‘personalising’ once it has enough context (eg. how hermes or chatgpt keeps remembering what you talk to them or research and your gmails/calendar also serves as context) every finance app would have an ai attached which is constantly gathering and mapping ‘context’ (and no, ai won’t control your finances but it’d be in the loop to gather your context) 4) how it's happening? - once txns become context-rich, finance becomes truly personalized eg, @fomo or @Pumpfun allows someone to make a memecoin trade contextual by attaching a thesis and broadcasting to followers and @tryramp captures context for a payment txn from SaaS interactions like emails, calendars and past behaviours. while @Plaid is building a txn foundation model to capture ‘why’ of a payment - all txns on crypto are open in nature: there’s a huge graph already getting built on our wallets from the last 10 years wallets are right now unlabelled context - we just need to make them contextual 'invisibly' and yeah, crypto apps will need to add context and that’ll be their moat we’re witnessing a glimpse via social trading - where a trader doesn’t even realise they’re adding the ‘context’ to their trades (using thesis or callouts) 5) once we have context on txns: - we'll see more personalised investing experiences (eg. you bought Apple for the iPhone cycle but sales didn't turn out to be good - your app flags the broken thesis and you sell) - i feel there’s a tremendous social x ai unlock waiting to happen in finance let’s build the next wave of contextual finance apps! 🫡