Market Disruptors podcast

AI Agents Could Start the Next Bank Run

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Julia Duzon joins Mark Moss to explain why the next bank run may not look like a panic, why banks are sitting on even bigger losses than in 2023, and why cheap deposits are the real fight behind the Genius Act.
They discuss the SVB and First Republic collapse, fractional reserve versus full reserve, a 10-year above 5% and the duration mismatch, why banks fought yield on stablecoins, AI agents moving idle cash, what a bank is still for, checking leadership before you trust an institution, and why growing the asset base beats chasing more income.
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TIMESTAMPS:
0:00 - Episode Trailer
0:50 - Why Bank Runs Come When Trust is Lost
2:45 - How SVB and First Republic Actually Failed
5:01 - Fractional Reserve and the Duration Mismatch
7:58 - Why Banks Fought the Genius and Clarity Acts
10:04 - What We Still Need a Bank For
13:07 - Sponsor: Protect Your Bitcoin Inheritance with Unchained
14:34 - Yield Is the Real Threat to Cheap Deposits
16:07 - Could AI Agents Start the Next Bank Run?
23:07 - Sponsor: Turn Your Taxes Into Bitcoin with Blockware
24:05 - Why Julia Bought Bitcoin at $1,000
27:09 - What Has to Change Before a Bitcoin Standard
31:50 - Sponsor: Borrow Against Bitcoin with Arch Lending
32:53 - Future Value of Money vs Selling Too Early
35:08 - Bitcoin for People Who Can Barely Save
38:09 - What to Check Before Trusting Any Institution
39:47 - Sponsor: Earn Bitcoin on Your Cash with River
44:32 - Grow the Asset Base, Not Just the Income
48:23 - Why Compounding Makes Bitcoin Different
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