Instinct just announced that they’re looking to raise at a $10B valuation. which means VCs are FOMO’ing to invest into personal AI agents. this is the perfect time for someone to raise capital and build the infra layer that lets neobanks embed these agents directly into their products. an Instinct/GrokBot/Muse style product that gives banking apps access to AI agents that can: > order my usual Uber Eats for pickup > pay my medical bill > book me the cheapest flight to Miami > find and cancel subscriptions I don’t use > dispute this charge for me every neobank is rushing to integrate AI in some capacity, but almost none of them are going to keep up with how quickly the tech is advancing while also running a fintech/payments company. that creates a pretty obvious opportunity for an infra player to build the agent layer and sell it across the entire neobank ecosystem.