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Today’s Menu

• Moltbot Shows What AI Agents Can Really Do

• Banks Face Five Hundred Billion Dollar Stablecoin Threat

Markets

TODAY IN AI

Moltbot Shows What AI Agents Can Really Do

Open-source AI assistant Moltbot, formerly Clawdbot, has gone viral for its impressive agentic capabilities, operating twenty-four seven from within Telegram or WhatsApp, though experts warn its full system access comes with serious risks.

Moltbot runs locally and connects to users' digital lives, proactively taking actions and messaging via chat apps when tasks are done. The tool was renamed after Anthropic reached out over trademark concerns, with creator Peter Steinberger initially launching it as Clawdbot in December.

Viral demos range from negotiating and purchasing a new car to calling a restaurant via ElevenLabs after failing to book through OpenTable. Many are warning of the security risks associated with full device access, including prompt injections, exposed data, and more if not properly managed.

Moltbot looks like a serious step up in the agentic world that actually delivers: running autonomously, keeping context across sessions, and taking real actions. But the utility comes with risk. Full access to messages, credentials, and systems means a single exploit may compromise everything if not set up correctly.

When your AI agent can negotiate a car purchase and call restaurants for you, that's not just automation. That's giving an AI complete control over your digital life with all the security implications that brings.

TODAY IN CRYPTO

Banks Face Five Hundred Billion Dollar Stablecoin Threat

Stablecoins aren't just competing with banks anymore. They're draining them. That's the latest warning from Standard Chartered in a new report. The bank estimates that five hundred billion dollars will flow out of traditional bank deposits and into stablecoins by 2028. And U.S. regional banks are the most exposed.

It comes down to how banks make money. Most rely heavily on something called net interest margin, the spread between what they earn on loans and what they pay depositors. Regional banks like Huntington, M and T Bank, and Truist get over sixty percent of their revenue from this source. If deposits leave for stablecoins, that income shrinks fast.

Investment banks like Goldman Sachs and Morgan Stanley get less than twenty percent of revenue from deposits. They'll feel it a lot less.

Tether and Circle run the two largest stablecoins. Together they dominate the market. But here's the problem for banks: Tether holds just zero point zero two percent of its reserves in bank deposits. Circle holds fourteen point five percent. That means when money flows into stablecoins, it mostly leaves the banking system entirely.

Standard Chartered estimates one-third of stablecoin growth will come from developed market bank deposits. With the market projected to hit two trillion dollars by 2028, that's where the five hundred billion dollar figure comes from.

This is why the CLARITY Act debate matters. The bill would ban stablecoin issuers from paying interest, something big banks support and crypto firms oppose. Obviously to protect the banks. Coinbase has already pulled its backing over the issue. And Circle's CEO called fears of stablecoin-driven bank runs "totally absurd."

Geoff Kendrick, Standard Chartered Global Head of Digital Assets Research, stated: "If stablecoin issuers hold a large share of their deposits in the banking system where the stablecoins are issued, that should reduce net deposit flight from banks. The idea is that if a deposit leaves a bank to go into a stablecoin, but the stablecoin issuer holds all of its reserves in bank deposits, there would be no net deposit reduction."

Standard Chartered still expects the bill to pass by the end of Q1 2026. But the pressure on banks is building either way.

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Thanks for reading!

Until next time,

Damon James