Musings on Technology
A personal collection of notes, reflections, and essays on technology, finance, and building — written over the years as I made sense of the ideas shaping our industry.
AI Agent Payments Are Going Mainstream
AI agents are no longer just answering questions — they are spending money. The infrastructure for autonomous agent-to-agent and agent-to-merchant payments is maturing faster than most people realise, and stablecoins are emerging as the default settlement layer.
The Rise of Agentic Commerce: What the Next 2–3 Years Will Look Like
The internet is about to undergo its most profound transformation since the browser. Within five years, autonomous AI agents will outnumber humans online — from today's 5.5 billion internet users to billions, potentially trillions, of agents negotiating, transacting, and collaborating at machine speed. This is what's coming.
OpenClaw and the Moment AI Agents Became Personal
An Austrian developer built a weekend project that lets an AI agent run on your machine and operate through WhatsApp. Within weeks, OpenClaw had 100,000 GitHub stars and 2 million visitors. It is not a product launch. It is a paradigm shift — the moment AI agents stopped being a corporate tool and became a personal one.
The Convergence Thesis, Three Years Later
Three years ago, I wrote about the convergence of AI, crypto, and traditional finance. The convergence has happened — faster and more completely than I expected. AI agents transact on crypto rails. Banks issue stablecoins. Tokenised assets trade in DeFi protocols. A reflection on what converged, what surprised me, and what comes next.
Stablecoins Cross $300 Billion — The Dollar Network Effect
Total stablecoin supply has crossed $300 billion — growing 50% in less than a year. Bank-issued stablecoins, regulatory clarity, and emerging market demand are driving the acceleration. The dollar's dominance in global finance is being extended through blockchain infrastructure.
The AI Infrastructure Layer: Compute, Data, and Crypto
The demand for AI compute is outstripping supply. Decentralised compute networks, data marketplaces, and crypto-native AI infrastructure are emerging to fill the gap. The convergence of AI and crypto is moving from payments to infrastructure — and the stakes are getting larger.
The Tokenisation of Private Credit: DeFi Meets Private Markets
Private credit — a $1.7 trillion market traditionally reserved for institutional investors — is being tokenised on public blockchains. The implications for access, liquidity, and transparency are significant. DeFi is no longer just tokenising Treasuries. It is tokenising the entire capital stack.
Banks Are Issuing Stablecoins — The Integration Is Complete
JPMorgan, Citi, and a growing list of banks are issuing or planning to issue their own stablecoins — enabled by the GENIUS Act's clear regulatory framework. The boundary between traditional banking and crypto infrastructure has dissolved. The integration that was predicted for years is now happening.
AI Agents Are Entering DeFi — And It's Messy
AI agents are now interacting with DeFi protocols autonomously — executing trades, managing portfolios, and optimising yield. The early results are promising and chaotic. The infrastructure is not ready. The opportunity is enormous. And the risks are real.
The Market Structure Bill: Crypto Gets Its Rules
Congress has passed comprehensive crypto market structure legislation — defining which tokens are securities, which are commodities, and how exchanges should be regulated. After years of regulatory uncertainty, the US finally has clear rules. The impact on innovation, institutional adoption, and global competitiveness will be profound.