BIG NEWS -Future of Disruptive Tech is being rebranded. We are changing our name to “Next Wave.” So if you see an email in your income from “Next Wave” please don’t be alarmed "(or hit spam).

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Today’s Menu

• Google Just Made AI Agents Accessible to Everyone

• Charles Schwab's $12 Trillion Crypto Move Threatens Exchanges

Markets

TODAY IN AI

Google Just Made AI Agents Accessible to Everyone

Google Workspace Studio lets you create no-code agents that automate tasks across Google Workspace and other popular productivity tools. Setup is simple: describe a task to Gemini, specify what it should do, and tell it which apps to use.

The new update is rolling out now to Business and Enterprise plans, bringing agent creation to everyday users without any technical expertise required.

This is Google's play to democratize AI automation - making what previously required developers accessible to anyone who can describe a workflow in plain language. When enterprise users can build custom agents in minutes instead of hiring developers, that fundamentally changes productivity software economics.

The agent revolution isn't coming - it's here, and Google just made it accessible to millions of business users.

TODAY IN CRYPTO

Charles Schwab's $12 Trillion Crypto Move Threatens Exchanges

After the market dumped, Vanguard, Bank of America, and now Charles Schwab all rolled out crypto products to clients in the same week. Suspicious timing or coordinated institutional adoption?

Schwab, which oversees more than $12 trillion in client assets, plans rolling out spot Bitcoin and Ethereum trading across its platforms in early 2026. That puts BTC and ETH in the same app as stocks, bonds, ETFs, and retirement accounts for millions of mainstream investors.

No extra exchange account. No separate login. No wiring money to crypto platforms. Just another tab inside a brokerage account people have used for decades.

This is a direct shot at Coinbase, Kraken, and traditional crypto exchanges. Schwab is famous for zero commission stock and ETF trading. If it applies the same low-fee mindset to crypto, that makes life difficult for classic exchanges where retail traders still pay fees north of 1%, with "advanced" trading around 0.60%.

Schwab doesn't need those margins. It earns from interest on cash, advisory fees, order flow, margin, and a full suite of traditional products. Crypto can just be a low-margin feature that helps retain clients and consolidate assets under one roof.

Schwab operates inside long-standing SEC and FDIC frameworks. For older or cautious investors, that perceived safety matters tremendously. Given exchange hacks and blowups, "I can just buy it at Schwab" is powerful messaging.

Schwab customers can already buy Bitcoin ETFs with zero commission and razor-thin spreads of 1-2 basis points. For spot trading to make sense, direct crypto fees must stay low enough to compete with those nearly free wrappers.

Vanguard opens to crypto ETFs. Bank of America recommends 1-4% allocations. Now Schwab is plugging spot Bitcoin and Ethereum directly into accounts holding US retirement savings. The institutions aren't coming - they're here.

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Thanks for reading!

Until next time,

Damon James