Unchained · Friday, October 2, 2026
A recent analysis suggests that AI agents, like Muse or Hermes, could initiate 'agentic bank runs' by optimizing individuals' finances. These agents would move cash from low-yield accounts to higher-yield products, effectively shifting large sums of money. While this is not a traditional bank run, it signifies a potential disruption to traditional banking models built on consumer inertia.
“So agentic bank runs, of course, implying that, well, two things. I think there was a little bit overloaded term, but one version of agentic bank run. All you have to say is Thorsten Slock, the head economist at Apollo, a very good marketer.”
“The assumption is that, okay, a lot of people are sitting with their cash in JP Morgan savings account or something, which means they're getting paid basis points, even though right now, the risk for the rate, or they're getting paid effectively zero.”
“AI agents will optimize your life And your portfolio. Yes.”
“The entire profitability of the banking sector and the net interest margin is based off of this reality, right? Feds raising rates, amazing. They're like profit margin just went up because they're not passing that through on the deposit side, right?”