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Imagine a world where your financial decisions are powered by artificial intelligence (AI), seamlessly blending with cryptocurrencies and decentralized finance (DeFi). That’s the vision outlined in a fascinating thread on X by Altcoinist.com, posted on March 7, 2025. The post dives into how Ribbit Capital, led by fintech legend Micky Malka, and a mysterious AI agent called $TIBBIR are shaping the future of finance—dubbed “Agentic Finance.” Let’s break it down in simple terms.
What’s Ribbit Capital and Who’s Micky Malka?
Ribbit Capital is a venture capital firm with over $12 billion in assets under management, known for backing game-changing fintech companies like Robinhood, Coinbase, and Revolut. Micky Malka, the firm’s founder, is a big name in finance—he’s ranked #2 on Forbes’ Midas List for venture capitalists and even bought Bitcoin when it was just $9. The thread describes him as a “rebel” who prioritizes financial innovation over traditional banking practices, aiming to make money work better for people.
Malka’s philosophy? “Every time money becomes better, people live better.” His track record proves his foresight, with early investments in Ethereum, Uniswap, Solana, and Nubank, among others. Now, he’s turning his attention to the next big thing: AI-powered finance.
Enter $TIBBIR: Ribbit’s AI-Powered Financial Agent
The star of the thread is $TIBBIR (Ribbit spelled backward), a stealth AI agent launched on the Virtuals platform. This isn’t just any AI—it’s positioned as the backbone of a new financial era, connecting fintech giants, crypto, and DeFi. The post claims $TIBBIR was quietly developed by Ribbit insiders and is already making waves.
Here’s why $TIBBIR matters:
SEC Filings and Onchain Evidence: The thread points to a recent SEC Schedule 13G filing showing Malka owns 11.4 million shares of Robinhood (1.5% of the company) through various entities, including a mysterious “Tibbir Trust.” Onchain data also links a 2758-day-old wallet tied to Malka to the $TIBBIR launch, suggesting his direct involvement.
Big Connections: $TIBBIR is building alliances with over 30 fintech leaders, including Robinhood, Coinbase, and Revolut. It’s not just a standalone project—it could become the AI layer connecting these platforms into a global “Grid” of financial services.
AI-Powered Features: Imagine an AI agent that optimizes your investment portfolio in real-time, gives trade alerts, automates investments in tokenized stocks or crypto, and tailors strategies to your goals. That’s what $TIBBIR promises, blending AI with blockchain technology.
The Bigger Picture: Agentic Finance and Fintech 3.0
The thread argues we’re moving from traditional fintech (like Robinhood and Coinbase making investing accessible) to “Fintech 3.0”—a world where AI, crypto, and DeFi converge. This “Agentic Finance” era could see AI fully controlling and predicting markets, replacing human advisors, and turning banks into relics of the past.
Key trends driving this shift, according to the post:
- AI-Powered Financial Advice: Robinhood and Coinbase are reportedly planning AI-driven tools, like financial advice and tokenized assets, by late 2025.
- Tokenized Assets: Stocks, private equity, and real-world assets (RWAs) could be tokenized on blockchain, making them easier to trade and invest in.
- DeFi Integration: Decentralized finance platforms like Uniswap and Solana are joining the mix, creating a more open financial system.
The thread also mentions the White House Crypto Summit on March 7, 2025, where Robinhood CEO Vlad Tenev and Coinbase CEO Brian Armstrong will meet with policymakers. This summit could signal regulatory support for AI and crypto innovations, aligning with Ribbit’s vision.
Why This Matters for Investors and Everyday People
If $TIBBIR and Ribbit’s plans succeed, it could democratize finance even further. You might soon have an AI assistant managing your investments, trading tokenized stocks, or farming yields in DeFi—all while staying connected to major platforms you already use. But it’s not just for tech enthusiasts—Malka’s focus on “genuine value to consumers” suggests this could make financial services simpler and more accessible for everyone.
However, the thread also hints at challenges. Regulatory hurdles, market risks, and the complexity of blending AI with crypto could slow progress. Still, with Malka’s track record and the involvement of fintech giants, the potential is massive.
Final Thoughts: A Glimpse into the Future?
This X thread paints an exciting picture of where finance is headed in 2025 and beyond. Ribbit Capital and Micky Malka aren’t just riding the wave—they’re steering it with $TIBBIR and their vision of Agentic Finance. Whether you’re a crypto enthusiast, a stock trader, or just someone curious about the future of money, this story is worth watching.
Want to dive deeper? Check out Ribbit Capital’s website or explore $TIBBIR’s contract address (0xA4A2E2ca3fBfE21aed83471D28b6f65A233C6e00) on platforms like Uniswap. The fintech revolution is here, and it’s powered by AI, crypto, and a frog-inspired vision—courtesy of Ribbit Capital’s rebellious spirit.
