A map of where money is going
(constraints breaking, velocity and participation rising)
More open systems are like gravity, just as the internet was to everything in the age before it.
📌 Agent-to-agent payments - nonstop machine money without intermediaries
📌 DeFi arbitrage - bots capture inefficiencies across protocols, instantly
📌 JIT composability - agents composing specific solutions for specific users in specific moments, and deliver proactively
📌 Micropayments - paying tiny amounts per use, instantly
📌 Metered APIs - use now, settle later via platform billing
📌 P2P & remittance (Venmo, Wise) - send money through apps, often
📌 P2P onchain - send censorship resistant money privately
📌 Yielding stablecoins - park money, earn yield, adjust sometimes
📌 Payroll - pay workers regularly
📌 Subscriptions (SaaS, media, utilities) - recurring payments for ongoing services
📌 Everyday retail - frequent purchases at stores and online
📌 Enterprise transactions - big company payments, less often
📌 Home, medical, auto - bigger life expenses, slower
Will see hybrids in the mullet zone where gatekept and open systems overlap
Incumbents aim to protect what exists, but there is a 100x zone that is creating what doesn’t.