The author projects AI agents will touch $4 trillion in financial fees by 2035, with 35% staying with incumbents, 15% migrating to digital challengers, and 50% eliminated or driven near zero, saving consumers roughly $1.4 trillion annually. Payments are seen as the biggest battleground, with remittances most exposed and stablecoins acting as the ultimate fee compressor. The author argues crypto firms like Coinbase, Binance and Kraken are positioned to build the first mainstream agentic super apps, and cites Ethereum as credibly neutral rails to avoid past cycles of consolidation.

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