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Brains, Chains, and Rails: The Convergence Vortex Transforming Financial Services

02 May 2025

The next decade will witness a fundamental reimagining of financial services as three previously distinct domains—next-generation payments, decentralized finance, and agentic AI—merge into a single, composable ecosystem. This “Convergence Vortex” will reshape business models, regulatory frameworks, and user behaviors, driving an era of unprecedented automation, autonomy, and opportunity.

Financial services are entering a new era shaped by the convergence of programmable payments, decentralized finance, and agentic AI. This shift—what we call the Convergence Vortex—is driving the transformation of how value is created, moved, and governed.

Legacy systems built for batch processing are being challenged by API-native rails (like stablecoins), composable DeFi protocols, and AI agents capable of automating decision-making across finance, compliance, and treasury operations.

  • Rails that code: Stablecoins like USDC and crypto-native APIs replace slow, closed systems with programmable, real-time settlement options.
  • Composable finance: Smart contracts, DAOs, and tokenized assets evolve into modular infrastructure, enabling permissionless innovation.
  • AI as the brain: Agentic AI parses data, drafts governance proposals, and manages liquidity—all in natural language.

Together, these forces enable a new financial stack:

Projects like Squirro AG, Brighty.app, and Velocity illustrate how this future is already taking shape.

We invest in companies building this future—where agents think, rails code, and finance becomes programmable by design.