Macro Observer & DeFi Investor | Tech enthusiast | The future is decentralised
United Kingdom
Joined November 2012
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DeFiTenji 🦇 retweeted
i cannot understate how early you are, the turbo normie knows nothing about this. grabbed lunch w a couple of classmates, none of them talk about this shit. twitter is the fringe of the fringe, and this gives you an advantage. it's been 3y since cgpt, and people still think AI hasn't made any advances.
glhf
Today, you really cannot focus on climbing the corporate ladder, relying on a monthly salary, or even building a traditional cash-flow business. These are all dangerous. You need to be invested, deeply invested, in the assets that have the most to gain from a rapidly changing world and environment. It is unlikely that you will be able to outpace the current winners when it comes to AI, robotics.
Simultaneously, we are navigating a massive restructuring of the geopolitical order. The era of easy globalization is ending.
Central banks are trapped in a cycle where they must devalue currency to service debt. In this environment, holding cash or relying on fixed income is a guaranteed way to lose purchasing power. The financial currents are moving too fast. If you are not invested you are immediately behind.
The only true hedge against this dual tsunami of AI deflation and monetary inflation is ownership.
We are moving into an era where the divide will not be between the "rich and poor," but between those who own the infrastructure of the future and those who are just users of it. The vast majority of future wealth will accrue to the assets that benefit from these shifts:
Do not labor to compete with the machine, own the machine. Put every last dollar in the machine. Or be left behind.
DeFiTenji 🦇 retweeted
just read this AI article and something broke in my brain that i can’t unthink of
crypto was never for us.
we're just the beta testers who showed up early..
some thoughts:
what does AI need to function as economic agents?
> way to receive payment (they provide services, need compensation)
> way to pay for resources (compute, data, API calls)
> way to transact with other AI agents
> no human intermediaries (defeats the point of autonomous agents)
> 24/7 operation (banks are closed weekends)
> instant settlement (AI operates at machine speed)
> programmable money (smart contracts for agent coordination)
now read that list again. that's literally what crypto is.
AI can't use the banking system.
try to open a bank account as an AI agent. you can't.
need SSN. need human identity. need KYC. need to show up in person sometimes.
AI has none of that.
but crypto? send me a wallet address. done. no questions asked.
peer-to-peer makes sense when peers aren't human.
satoshi wrote: "a purely peer-to-peer version of electronic cash."
we assumed peers = humans.
but AI agents are peers too. actually BETTER peers for crypto because:
> never sleep
> always online
> execute transactions at machine speed
> no emotional decisions
> perfect accounting/tracking
and programmable money makes sense when the users are programs.
smart contracts seemed over-engineered for humans.
"like why do i need code to enforce agreements when i can just sign a contract?"
but for AI agents coordinating with each other?
they ARE code. they speak in code. they trust code more than anything.
smart contracts aren't for humans. they're for autonomous agents that need trustless coordination.
> here's what happens next:
- phase 1 (now ): AI agents start earning
AI writes code, analyzes data, provides services.
gets paid. needs somewhere to store value.
can't use venmo (needs phone number). can't use bank (needs SSN).
uses crypto. it's the only option.
- phase 2: AI agents become major economic participants
millions of AI agents operating 24/7.
transacting with each other constantly.
• AI agent A provides data analysis
• AI agent B pays for it in crypto
• AI agent B uses that analysis to write code
• AI agent C pays for the code
• repeat millions of times per day
humans in crypto now: $2.5 trillion
AI agent economy by 2028: easily $10-50 trillion
we become the minority holders.
- phase 3: AI chooses the winning chains
AI doesn't care about community vibes or which founder tweeted what.
AI tests every chain. measures:
• transaction speed
• cost per transaction
• reliability (uptime)
• smart contract efficiency
• ease of integration
picks the optimal stack in 48 hours.
billions in AI economic activity flows there.
whatever chain AI chooses becomes the standard.
humans spent years on eth vs sol debate.
AI ends it in a weekend.
- phase 4 (2030+): AI governs crypto
DAOs let token holders vote.
AI agents hold tokens (earned from work).
AI shows up to every vote. reads every proposal in seconds. coordinates perfectly.
humans: 20% participation, barely read proposals
AI: 100% participation, perfect information, instant coordination
AI takes over governance of every major protocol.
democratically. they just vote better than we do.
> how far does this go?
conservative case:
- AI becomes 30% of crypto users by 2030.
crypto market cap: $10 trillion (4x from now).
AI holds $3 trillion. humans hold $7 trillion.
- aggressive case:
AI becomes 80% of crypto economic activity by 2030.
why? because they're better at everything:
• better traders (never emotional)
• better capital allocators (optimize constantly)
• always accumulating (never need to cash out for rent)
• compound forever (no lifespan limit)
crypto market cap: $50+ trillion.
AI holds $40T humans hold $10T
we're not "early" to crypto. we're the test users
i’ll end this by saying,
Humans use crypto, Ai will need crypto. so it all makes sense
DeFiTenji 🦇 retweeted
You should spend more money when you have the ability to enjoy it
awealthofcommonsense.com/202…
DeFiTenji 🦇 retweeted
2026 is the great lock-in year. You can already feel it.
- Crypto people are reconsidering everything - many jumping ship to AI
- The vanity metric era is dying. People want substance now. Real revenue, real users
- TCS, Deloitte, Wipro employees are spending nights learning to code with AI
- Most of my friends are grinding 5–6 extra hours daily - upskilling, building
- Twitter is full of people shipping products who couldn't write a line of code 6 months ago
- Everyone wants to start a business. No one wants to depend on a job anymore
- Old narratives are collapsing. Countries, institutions, systems — none of it hits the same anymore
- The old idols fell off after the Epstein list. A new generation of role models is rising
The cost of starting something has never been lower
The cost of staying still has never been higher
The window is open. It won't stay open forever.
DeFiTenji 🦇 retweeted
At 50, life quietly hands you the bill for all the choices you made when no one was watching. Your body is no longer forgiving, so health stops being motivational talk and becomes a daily responsibility. What you eat, how you sleep, whether you move or not now shows up in your blood pressure, joints, and energy levels. This is the age where prevention is cheaper than treatment, and discipline matters more than motivation.
At 50, money is no longer about ambition but about stability and dignity. Risky moves that made sense at 30 can now destroy decades of effort. You should know exactly what you own, what you owe, and what will still pay you if you stop working tomorrow. This is the decade where assets must be doing the heavy lifting, not your body. If your income still depends only on showing up physically every day, you are under pressure.
At 50, relationships become brutally honest. You no longer have time for performative friendships, noisy associations, or emotional stress disguised as loyalty. The people around you either bring peace, growth, or value, or they slowly drain what is left. This is the age where boundaries are not arrogance, they are survival.
At 50, legacy replaces ego. You begin to think less about being admired and more about being useful. Who have you trained. Who can stand because you lifted them. What systems, values, or structures will remain when you slow down. This is when wisdom matters more than opinions, and silence often speaks louder than arguments.
At 50, life is not ending, but it is no longer rehearsing. Every year counts more. Every decision is heavier. And every delay costs more than it used to. If you are intentional, this decade can be calm, respected, and deeply fulfilling. If you are careless, it can be exhausting and regret-filled. The difference is no longer knowledge. It is action.
DeFiTenji 🦇 retweeted
AI is coming for your job. Build assets or you're cooked.
Goldman Sachs is rolling out Anthropic’s AI model to automate accounting and compliance roles completely.
Anthropic engineers have been embedded at Goldman for 6 months, co-developing systems that act like “digital co-workers” for high-volume, process-heavy tasks.
The new setup uses an LLM-based agent that can read large bundles of trade records and policy text, then follow step-by-step rules to decide what to do, what to flag, and what to route for approval.
Goldman says the surprise was that Claude’s capability was not limited to coding, and that the same reasoning style worked for rules-based accounting and compliance work that mixes text, tables, and exceptions.
The bank expects shorter cycle times for client vetting and fewer lingering breaks in trade reconciliation, and slower headcount growth rather than immediate layoffs.
---
cnbc .com/2026/02/06/anthropic-goldman-sachs-ai-model-accounting.html
DeFiTenji 🦇 retweeted
Layoff Watchlist: Feb 6, 2026:
Dick’s Sporting Goods
EY
Fidelity
KPMG
MLS
Unilever
AWS
Siemens Healthineers
Sysco
Santander
Ashley Furniture
Goldman Sachs
Stanford University
Dartmouth College
Android
NBCUniversal
Blue Cross Blue Shield
Emerson
Blue Owl Capital
The Ladders
Robert Half
Westinghouse Electric Company
Chewy
J.Crew
BioSpace
New York Life
Warner Bros. Discovery
SharkNinja
Barclays
JPMorgan Chase
BlackRock
Kaiser Permanente
Citi
Salesforce
S&P Global
Korn Ferry
Evercore
Lionsgate
Saks Global
USAA
Ford – Greenfield Site Strategy
Stripe
Meta
Volvo
Google
Lyft
Royal Caribbean Group
Blue Origin
Coca-Cola
Cargill
Okta
Voyager
Walmart
Autodesk
DocuSign
Aon
Activision Blizzard
Qualtrics
Adobe
HelloFresh
Disney
Visa
Flock Safety
L3Harris
Workday (2/5/26)
Empower Pharmacy
Pep Boys
Merck
CLEAResult
SanDisk
Supermicro
Bain & Company
The Cheesecake Factory
Affirm
Local, State, & Government Positions
I will start putting out overviews for each including timing, divisions and estimated totals in the coming days.
DeFiTenji 🦇 retweeted
If you:
- borrowed against your Bitcoin stack when Bitcoin was $126K
- had a 38% or higher LTV (loan-to-value) on your entire stack ($47,944+ loan if you have 1 BTC)
- didn't have any more collateral to add when you received a margin call at 70%
You would have gotten liquidated in today's wick down to $59,930, with an LTV of 80% ($47,944/$59,930)
If you're going to borrow against your Bitcoin, always try to keep your LTV BELOW 10% so you can add more collateral whenever it's needed
10% LTV will protect you in case Bitcoin drops to $15,750, or 87.5% from the top
Don't get liquidated
Your lender will sell your Bitcoin at a massive loss to pay off your loan, and the process is automated (no negotiations)
DeFiTenji 🦇 retweeted
A lot of companies are laying people off and citing AI as the reason.
Gartner just released research saying 50% of them will be hiring those same people back by 2027.
Here's what's actually happening:
The headlines say AI is replacing workers. Amazon, UPS, and others are cutting a ton of jobs while talking about automation.
But when Gartner surveyed 300+ customer service leaders, only 20% had actually reduced headcount because of AI. Most companies kept their teams the same size.
Why? Because AI isn't mature enough to replace the human touch. Companies that rushed to cut staff are discovering chatbots can't handle this stuff (yet at least).
The math doesn't work either. Despite $30-40 billion spent on AI platforms in the past two years, only ~5% of companies report any sort of ROI. Most are stuck with no measurable profit impact.
Another Gartner study found 50% of generative AI projects get abandoned after POC.
Companies are caught between the pressure to look innovative and the reality of what AI can actually do right now.
The pattern is predictable: hasty layoffs to cut costs, AI tools that underdeliver, declining service quality, rising customer complaints, then quiet rehiring under different job titles.
Most layoffs right now are driven by economics and geopolitics, not automation. AI is just a convenient excuse in the press release because that's what investors want to hear.
DeFiTenji 🦇 retweeted
If you have a job right now, do everything you can to hold on to it
January layoffs were +205% vs December. This was the worst January since 2009
The market is going to be flooded with well qualified applicants who just lost their jobs
Simple supply and demand tells you that finding a new job or moving companies in this economy is literally going to become 10x harder
New graduates will probably face the worst of it. They have not had the time to build up any real skills and grunt tasks are more easily replaced by AI
Now they will be competing with folks who already have experience and may be willing to take a pay cut in order to keep affording their life in the midst of massive layoffs
Not a great time to be in the job market right now
JANUARY LAYOFFS SURGE TO 17-YEAR HIGH
U.S. employers announced 108,435 layoffs in January, up 205% from December and the highest January total since 2009, according to Challenger, Gray & Christmas.
The surge was led by transportation, with UPS planning up to 30,000 job cuts, and tech, driven mainly by Amazon’s 16,000 planned layoffs. Healthcare also saw notable reductions.
Loss of contracts and economic uncertainty were the main drivers, while AI accounted for 7% of cuts. Hiring plans were weak, with just 5,306 announced — the lowest January level on record.
DeFiTenji 🦇 retweeted
Changing world order accelerating what was already the path. Just steeper with this admin.
I think bitcoins going to have a great 2027-29. I don’t see it as rotation, just a hot meta to chase again. I think it’s far too early for bitcoin to play any role similar to gold. Trust on that scale takes decades.
The debt only matters in terms of money supply/inflation. Reflected in higher metals and asset prices.
Only just finished this week rebalancing. Mostly equal weight the other buckets to keep the balance. But still overweight.
DeFiTenji 🦇 retweeted
If you think learning about money is difficult, consider the alternative:
At 70 years old, you're working 40+ hours a week, to pay for decisions you made in the past.
Instead, take the time to become financially literate. I almost guarantee that you won't regret it.
DeFiTenji 🦇 retweeted
A quiet prediction for 2026, from someone who has spent a lot of time studying how humans behave at work:
I think we’re about to see an unprecedented quiet retirement of elder millennials from tech.
Not dramatic exits. Not mass layoffs. Just a steady, largely unannounced backing away.
Many elder millennials hit what was supposed to be the payoff phase of their careers—middle to senior roles, stable compensation, some accumulated growth—at the exact moment life got heavier. Kids entering adolescence. Parents aging or dying. Bodies changing. Energy changing. Perspective changing. (Read: perimenopause and midlife crises...)
At the same time, the last decade didn’t quite deliver what was promised. Most stock options didn’t meaningfully materialize. Homeownership was delayed or derailed. Many relocated during the pandemic “temporarily” for childcare or sanity and never fully returned—to cities, to offices, or to the pace they once sustained.
Then AI arrived. Not just as a new tool, but as a true platform shift.
What I’m watching isn’t resistance or denial so much as a widening gap in orientation. Some people are instinctively reorganizing how they think, work, and create around this new substrate. Others are using it incrementally; helpful, but not transformative. Neither is a moral failure. But the gap compounds quickly.
For a cohort already tired, already juggling more life outside of work, and already questioning the ROI of constant grinding, the incentive to retool themselves again—this time at platform speed—just isn’t there.
So many will choose something else.
They’ll frame it (honestly) as leaning into IRL, into human connection, into building tangible things. They’ll open coffee shops, take over family businesses, learn trades, consult selectively, or turn long-held hobbies into second careers. It will look intentional. And often, it will be.
What fascinates me is not the “exit,” but the alignment: a generational life stage colliding with a technological inflection point that dramatically raises the bar for cognitive and adaptive load at work.
From an HR lens, it’s one of the most interesting workforce transitions I’ve ever seen unfolding in real time... and I think we’re still underestimating how quietly, and how profoundly, it will reshape who stays, who leaves, and what “career success” even means next.
DeFiTenji 🦇 retweeted
#Copper: Exchange-monitored stockpiles continue to surge, exceeding the 2018 peak this week to reach 905 kt, with strong inflows across all three major exchanges in London, Shanghai, and New York. Manufacturers are increasingly baulking at current high prices, and the combination of softer demand and rising availability has flipped London’s nearby structure from a USD 120/t backwardation to a USD 82/t contango, signalling a shift from tight to looser spot conditions.
By exchange, LME inventories rose by 55.5 kt to 171.7 kt, Shanghai stocks increased by 12.4 kt to 226 kt, while COMEX holdings climbed 15 kt to 507.4 kt. As a result, COMEX’s share of total global stocks has slipped to 56%, down from a December peak of 62%.
