Dragonfly ＞|＜(@dragonfly):.@HadickM on @MTSlive re: agents + money: “When you’re built on top of Plaid, you have a bunch of failures, failure rates at 2% or so for ACH. And there’s a lot of capital inefficiency in it as well.” “If you ask your LLM what bank should you use that is agent friendly, they’ll tell you Mercury. They won’t tell you JPMorgan.” “A financial institution that controls those different accounts and is able to monetize those different accounts, that is AI first and agent first, that is where you’re likely to see a lot of this happen.” “The concern is the surplus will continue to shift from banks to fintechs.”

2026.10.16 13:15

.@HadickM on @MTSlive re: agents + money: “When you’re built on top of Plaid, you have a bunch of failures, failure rates at 2% or so for ACH. And there’s a lot of capital inefficiency in it as well.” “If you ask your LLM what bank should you use that is agent friendly, they’ll tell you Mercury. They won’t tell you JPMorgan.” “A financial institution that controls those different accounts and is able to monetize those different accounts, that is AI first and agent first, that is where you’re likely to see a lot of this happen.” “The concern is the surplus will continue to shift from banks to fintechs.”