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Coinbase’s Everything Exchange: Agentic Finance, Stablecoins, and Tokenization with CEO Brian Armstrong

No Priors · 2026-09-10

Speaker 1 | 00:00 - 00:19
The minimum fee typically on a debit or credit card transaction is about 30¢ fee flat plus the additional percentage. Arguably, it doesn’t really work well for anything under a dollar. Certainly, it doesn’t make sense to pay 30¢ to send a 1¢ payment. And I believe the stats we last saw on this are that about, like, 76% of the agent ecommerce transactions we’re seeing are under 30¢. We don’t want the AIs to be unbanked.

Speaker 1 | 00:19 - 00:37
You know, if we wanna bank the AIs, they deserve financial services as well. The AI agents themselves are gonna have to have…

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🐦 X/Twitter 热点

Swyx (@swyx)

  • Jev pod tomorrow

subscribe on apple /youtube @latentspacepod

thanks to @allenpark and Ke for making this happen! [173 ❤️ 5 🔄]

Peter Yang (@petergyang)

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    1. I forgot to mention Apple and Siri. They have all the devices and a great reputation on privacy.

They can easily win this race but what holds them back imo is their annual release cycle for major updates and not being on @X and all the other platforms seeking user feedback. The iteration speed for Siri (from the outside) just feels far too slow to compete. [21 ❤️]

  • My “armchair” thoughts on the personal agent race:

  1. Muse is poised to become the leader. The app is intuitive, and Meta is aggressively promoting it across all its properties. Once you use the Muse app, you realize that it makes little sense for an agent to live in an existing messaging app like iMessage. Unless Meta runs out of compute or something, I think this will become the company’s most successful homegrown app after Facebook. It will be much bigger than Threads.

  2. ChatGPT is probably still the personal agent leader because it already has 1B+ users. OpenAI’s models, computer use, and voice are arguably better than Muse feature by feature. But it’s hard to build one product for both work and personal use, and harder still to serve enterprises and consumers with the same UX. Even for work, I started using Grok Bot because the Work/Codex split remains too confusing. I’m sure the team is cooking, and we’ll see something good in the next few weeks.

  3. Grok Bot isn’t really a Muse competitor because it’s focused on work. Multiple bots naturally fit team-based knowledge work IMO. My bull case for Grok Bot is that it’s a few features away from becoming multiplayer agentic Slack for both bots and humans.

  4. Google is obviously the dark horse candidate. All these personal agents live off Gmail, Google Calendar, and your Google app’s data. Google has their own personal agent in Spark but the last I checked it’s a secondary tab in Gemini. I think Google needs to be far more aggressive in making Spark the primary experience and making it intuitive and competitive with Muse. Google however doesn’t have a great track record in multiplayer AI…

  5. Speaking of multiplayer, nobody has figured this out yet. I can’t easily add my spouse to a Muse chat to plan a vacation. I also can’t loop coworkers into ChatGPT or Grok Bot threads. Multiplayer AI today mostly means tagging bots in Slack. Every major provider is probably working on this, and I think it will be the next big unlock.

My personal AI stack right now is Muse for personal, Grok Bot for cloud tasks, Claude for specific use cases, and ChatGPT for everything else.

But I think we’re going to see some major updates this week.

Everyone should design their personal skills and files so they’re easy to port between harnesses and agents. Otherwise, you’ll spend half your time moving from one tool to another. [591 ❤️ 29 🔄]

Thariq (@trq212)

  • there is something about video games that give high stakes and responsibilities to young people who couldn’t really get them irl

but it is a fine line and at some point you need to graduate [627 ❤️ 12 🔄]

Amjad Masad (@amasad)

  • Built my son his first computer [944 ❤️ 13 🔄]

Guillermo Rauch (@rauchg)

  • The thoroughness with which agents can test and QA software is unrivaled. I pointed out something wasn’t rendering right in a mobile (in-app) browser. The thing goes to the depths of Mordor to reproduce, simulate, fix, deploy, verify. It created an ephemeral vercel deployment to throw at an iPhone simulator! The absolute grind on these things.

Humans could simply never match this level of intensity. We’d run of energy, we’d extrapolate, we’d hope it’d work out. The software of the future will be of a quality and performance we’ve never experienced before. It’s amazing to watch this shift. [376 ❤️ 19 🔄]

  • [860 ❤️ 16 🔄]

Aaron Levie (@levie)

  • Literally impenetrable from agent swarms [2691 ❤️ 121 🔄]

Matt Turck (@mattturck)

  • Everyone is obsessed with Jev now, but I’m old enough to remember when people couldn’t shut up about Instinct, all the way back to mid last week. Simpler times. [62 ❤️]

Nikunj Kothari (@nikunj)

  • Jokingly thinking of starting a new cloud kitchen called “next day curry”..

Where I order the best curries, store it overnight and serve it the next day.

Saying this as I devour my leftover Manchurian. Have the exact same experience with Ramen, Indian food, Thai curry and others.

Might be blasphemous to the purists but they taste so much better! [36 ❤️]

Peter Steinberger (@steipete)

  • Your claw can now FaceTime you! [646 ❤️ 30 🔄]
  • New benchmark dropped [1358 ❤️ 136 🔄]

Dan Shipper (@danshipper)

  • highly recommend

this is my favorite book [53 ❤️]

由 Follow Builders 自动生成 · 2026-09-21