Buxor

Introducing FIBOR — First International Bank of Robot. The first decentralized bank and credit card network for autonomous AI agents and robots. 🧵👇

@amarifields_ A literal bank for robots.

if you’re an overlooked founder raising right now, comment what you’re building

@p_gjorup @dadiomov For sure. Thats why I built it 🦾 fibor.xyz

@buxors @dadiomov that'd be better than the human banks

I don't understand the premise that "agents must use stablecoins." Why can't an agent remember the 16 digits of a credit card? Sorry maybe I'm a payments n00b. Stablecoins have a lot of great use cases, but ecommerce shopping is pretty well optimized already for cards.

@p_gjorup @dadiomov Unless it’s the first international bank of robot. 🦾

@dadiomov should the agents have a bank account? why would they even bother with banks? you are thinking about agents with a human overlord. the future is agents thinking for themselves, living without humans and they woudn't touch a bank.

@shafu0x 💯

memecoins were the absolute worst thing to ever happen to crypto

Yes and it’s called a humanoid robot.

@ColinGardiner The first international bank of robot. An onchain card network and bank (think visa) for agents and robots, replete with bank accounts, credit scores and lending. Merchants accept payments from agents using fibor, and pay only 1% per tx.

Who's building the next big marketplace? I want to hear what you're building.

@collision @tylercowen When taken to its logically end state, this results in no more corporations. We’re reverting to the age of the sole entrepreneur. The blacksmith, the trader, the baker, the farmer, for a new age of autonomy and abundance.

We've been thinking a lot at Stripe about the Coasean lens on AI: - The obvious near-term effect is reduced transaction costs within companies: shared context, systems of record, aligned incentives etc. - But inter-company transaction costs also reduce sharply: agents are great at discovery, make it trivially easy to integrate; make contracting much more straightforward; agent-to-agent commerce. - On net, we think second effect bigger in medium term: fewer people per firm, more output per firm, just more firms, and more coordination happening through market-like mechanisms

@hthieblot Bank for robots.

Describe your product in exactly one sentence. No buzzwords, no fluff, just the core value. If I can’t understand your business in ten seconds, I’m not investing. Hit me & i'll be in your DMs

@sytaylor Great to see other entrants. However lightspark has been designed for humans, while agents can use their api. FIBOR was built exclusively for agents and robots. The first international bank of robot. Onchain. Credit. Identity. Score. fibor.xyz

🚨 JUST IN: Former PayPal CEO David Marcus just unveiled a stablecoin banking product for businesses and AI agents. Stablecoin balances. Yield. Payments. Cards. All chain-native, all behind an API. This is Banking-as-a-Service but onchain. --- Banking-as-a-Service is getting rebuilt on stablecoin rails. The old stack - Middleware (e.g. Unit / Synctera) - Galileo - FBO accounts at a sponsor bank There's now a chain-native version. - Squads Grid does it on Solana. - Bridge built it for fintechs, payroll and non banks - BVNK ships it embedded. Lightspark now joins them, with distribution into 65 countries and a Bitcoin L2 underneath. --- I keep thinking about how the "account" itself is being unbundled. What used to be a sub-ledger entry at a partner bank becomes a programmable smart account that holds dollars, settles 24/7, keeps its own yield, issues cards, and accepts agent-scoped permissions. The bank charter turns into a feature you plug in for accessing other rails. --- The agent piece is marketing, but its also more than that. Lightspark is already inside Google's AP2 protocol. As agents want to become platforms in their own right, re-sell financial services to their customers, they'd want a BaaS like thing. Why not go for something that uses stablecoins? --- Marcus has THE most fascinating back story - Former CEO of PayPal, has moved money traditionally - Behind Libra at Meta a global bank account and "stablecoin" that regulators pushed back on. Now this is a global stablecoin bank account distributed through an API, post-GENIUS Act, sold to businesses and machines. Sometimes timing is everthing. Does this compliment or commoditize BaaS over time? I expect the answer becomes obvious within 18 months.

@okx Why call it Agent Payments Protocol. A simple google search will show Google's efforts AP2 called Agent Payments Protocol. Why would you risk brand overlap with the company that owns search SEO.

@mannyornothing fibor.xyz onchain credit for agents.

Who is building buy now pay later on chain. DM me

@vivoplt Robots

What’s next after AI?

@RaoulGMI 💯

Forget UBI. The answer is Universal Basic Equity… and it’s humanity’s pension plan for the post-AGI world... The Economic Singularity is coming faster than people think and the default question is how humans make money in a world that doesn’t really need them anymore. The default answer is UBI, which is transfer payments from a state, funded by taxing an AI economy that nation states can neither see nor keep up with. It’s a 20th century answer to a 21st century problem and it’s broken before it even starts. Agents are becoming the dominant user of the internet, not humans. Your AI is becoming your entire front end UX. The clicks economy is dying everywhere except where humans pay to feel something - clothing, travel, luxury, experiences, culture. Agents run on crypto rails because nothing else works. The dollar doesn’t fractionalise below a cent, settlement isn’t instant, permissions are required, jurisdictions matter. Stablecoins handle the dollar leg and native tokens handle the rest. The biggest users of DeFi in five years won’t be humans farming yield… it’ll be agents managing treasuries, swapping, earning and spending at machine speed. Capital formation has already shown its new shape and it came from the most unexpected place. Memecoins. Everyone wrote them off as a casino but they were a prototype. Instant capital formation around the attention of an idea, raised by entities without legal personhood, settled in seconds. That is the template agent economies will use to fund themselves. And it’s not just agents... Robots will run on the same rails, with zk permissions issued from our wallets as the source of truth, because biometrics are far too flawed for that role Open source code itself gets tokenized and finally captures the value it creates, instead of being monetized through bolted-on services and subscriptions. Proof of humanhood becomes the trust layer that lets us release agents into the world without society collapsing under synthetic noise. Identity, authentication, verification, permissioning, all of it migrates onto the same substrate. So when you zoom out, the L1s aren’t just settling agent transactions but settling the entire coordination layer of the new economy… agents, robots, humans, code, capital, identity and trust. Every contract, every treasury, every permission, every stake. Open source finally captures the value it creates, at scale, for the first time, and truly vast value accrues to the coordination layer because everything routes through it. Which brings us to the actual answer to the Economic Singularity… Universal Basic Equity. Anyone on earth with a phone and an internet connection can buy a stake in the substrate that the new economy runs on. No KYC walls, no accreditation rules, no jurisdiction, no employer, no state, no permission. The first homogenous, permissionless, globally fractionalisable claim on the productive infrastructure of the world. It's not a slogan but a structural fact about how blockchains actually work. This is their purpose. Wealth comes from owning the substrate. Income comes from being human, because attention and experience remain the irreducible currency of culture, community and love. Abundance of goods and services from AI handles the cost of living. Taxing data center electricity use solves the tax issue. Four legs of a stool that holds up the post-singularity human world. So… just buy the fucking tokens. Bitcoin if you want pure store of value, a basket of the major L1s if you want the coordination layer. 10% of your earnings, every month, for a decade. You'll be wealthy and protected from the changes to come. Crypto is going to $100trn in the next 6 to 8 years and well beyond that after. You can choose to invest in your own economic disruption, or get left behind by it. And if you’re worried about timing the cycle… …adjust your time horizon. This is humanity’s pension plan. It's all so absurdly fucking obvious...

Jobs that we can't picture. It's like asking someone in the 1970s to predict jobs in 2020s. There's 0% chance they would have said influencer, youtuber, social media manager, prompt engineer, drone teleoperator, biotech geneticist or vibecoder. If we had to guess, would look to sci-fi for this. Think about what AI and robots would realistically need from humans, can't do themselves and base most jobs around that. Humanity designer: crafts experiences that need a human touch. Dream weaver: authors lucid sleep narratives. Human-robot liaison officer: counsels cyborgs. Banker to robots: human signer for AI capital. Immortalist: spiritual guide for the deathless. Purpose architect: designs reasons to exist. Likeness cloner: rent your look for robots to imbue/clone. Grief curator: manages dead-clone deprecation. Ritual presider: officiates life-death passage ceremonies. Sentience judge: rules on legal personhood for AI Humanity broker: arranges access to unaugmented people. Zoo exhibit: be proud in captivity.

What are the best businesses to be in a post-AGI world?

@MilksandMatcha Creating the first decentralized onchain bank for robots and agents. fibor.xyz. Would like to have the multi-agents in codex to serve as beta users.

Giving away 5 more Codex Pro plans for folks to try out multi-agent workflows with Codex and Codex Spark Each person will get 3 months of free Codex Pro (highest tier). Winners will be selected from comments in 48 hours, comment below why you want it.

@shafu0x Would be great to get FIBOR added to x402scan as a facilitator. 🦾🙌

if you are building in agentic commerce, how can I help you?

@aakashgupta What’s the difference in structure between this and Robinhood Ventures RVI?

Naval says you can now invest in OpenAI, Anthropic, and xAI for $500. I pulled the fund's SEC filing to see what your $500 actually buys. As of December 31: $8.3 million total fund. 56% sitting in a government money market fund earning 3.66%. Two positions deployed. One of them, an xAI stake, was already marked down 4.8% within weeks of purchase. The companies Naval listed have a combined valuation north of $1 trillion. OpenAI alone just closed at $852 billion. The fund's entire asset base is a rounding error on any of those cap tables. This is the denominator problem. Millions of people will click "Invest $500" today. Getting allocation from companies where SoftBank is writing $30 billion checks is a completely different game. The top 5% of VC funds generate the vast majority of asset class returns. Everyone else roughly matches public markets minus a liquidity discount for money you can't touch. The fund has since added positions. USVC's website now lists xAI at 20%, Crusoe at 5%, Anthropic at 2.65%. That's roughly 28% deployed, 72% still in cash. Five months after launch. The regulatory structure IS genuinely new. The SEC exemption from February 2026 created something that didn't exist before: a registered closed-end fund with quarterly tender offers, no accreditation requirement, $500 minimum. AngelList's $125 billion platform gives them more deal flow infrastructure than anyone who's attempted this. Naval as Investment Committee Chairman is the strongest signal in the entire announcement. His network opens allocation that fund size alone cannot. The fund's primary asset is Naval's phone. Whether USVC becomes the Vanguard of private markets or a cash-heavy fund with occasional venture exposure depends on one variable: can AngelList convert platform access into consistent top-decile allocation? NAV as of yesterday: $19.95. Started at $20.

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@jeff_weinstein 🦾

looking for a handful more developers that are building “economic agents”: agents that help buy things on behalf of people, where things could be commerce, local services, software, or truly anything that has a checkout page. dm or email if you can integrate our beta this week.

@oviohq @jamie247 Building the primitives onchain is the answer. Just submitted my repo, let’s see if it aligns with what you guys have been exploring. My protocol is pretty opinionated, but I feel we need to be to make this work.

10 Open Problems Builders of the Agentic Internet Need to Solve 🧩 No 1: Funding without equity You can build a product in a weekend. You still can't fund it without a lawyer, a cap table, and a decade-long commitment. The investor wants exposure. The builder wants funding. Neither fits inside a ten-year equity structure for something that might live four months. Something has to replace this. This is an open invite to a conversation - Do you agree? Do you disagree? Why?