TLDR Tech / Crypto
The 2030 Artemis Digital Finance Manifesto
Artemis' 2030 Digital Finance Manifesto frames five converging pillars reshaping capital markets: neobanks aggregating legacy and DeFi rails into single interfaces, AI-driven lending unbundling the bank stack across five layers, agentic micropayments replacing ad models for non-human traffic, prediction markets maturing into core uncertainty-pricing infrastructure, and trading volume growth driven by AI-widened wealth gaps. On the lending front, Aave has crossed $1T in cumulative loans while Apollo's partnership with Morpho marks a direct TradFi-DeFi convergence point, with SoFi, Upstart, and Figure named alongside Aave as structural winners. The agentic payments thesis frames micropayments as access keys for AI agent traffic rather than human consumption, projecting the agent-initiated transaction surface at hundreds of billions annually, with Circle, Visa, Stripe, and AWS positioned as infrastructure winners. Named winners across categories span both incumbents and DeFi protocols: Robinhood and Coinbase appear in three of the five pillars, while Kalshi and Polymarket anchor the prediction markets vertical.
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