2025 marks the start of Agentic Finance.Robinhood, Coinbase, Revolut - these fintech giants reshaped how millions trade, bank, and invest.But what's coming next will change everything.A powerful convergence is unfolding:🐸 AI-Powered Financial Advice🐸 Tokenized Stocks/Private Equity🐸 Tokenized Real-World Assets (#RWAs)🐸 Automated Yield-FarmingCrypto + AI + DeFi = New FintechAnd it's starting where fintech revolutions always begin:Ribbit Capital.Ribbit Capital & Micky Malka: The Rebels Shaping FinanceFounded by legendary fintech investor @mickymalka (#2 VC Forbes Midas List, bought his first BTC at $9) @RibbitCapital $12 Billion + AUM is known for backing rebels who challenge bloated financial institutions. Malka, an entrepreneur-turned-investor, built Ribbit with a clear vision: financial innovation over financial engineering. Early bets in Coinbase, Robinhood, Revolut, Ethereum, Uniswap, Solana, and Nubank showcase his exceptional foresight.Malka describes Ribbit as "a bunch of rebels" always searching for innovators who disrupt the status quo and provide genuine value to consumers. Ribbit operates without labels or strict investing mandates, enabling flexibility to pursue opportunities across all stages and asset classes - including crypto, public equities, and private ventures. Malka emphasizes a philosophy of deep conviction, concentration, and genuine partnerships built on trust.And yes, Ribbit Capital has a unique, low-key and sometimes "stealth mode" style...When Micky moves, fintech follows. His core belief: "Every time money becomes better, people live better." - @mickymalka Now, Ribbit is quietly leading again, and all signs point to AI-powered finance...Introducing $TIBBIR: Ribbit’s Stealth AI-Powered AgentStealthily launched, $TIBBIR (Ribbit spelled backward) is an AI agent launched on @virtuals_io quietly developed by Ribbit insiders. It’s already positioned at the heart of fintech's future.Here's why it's a big deal:1. The SEC Filings: Proof That $TIBBIR is More Than a TheoryA recent SEC Schedule 13G filing (signed 02.14) revealed that Micky Malka owns 11.4M Robinhood $HOOD shares - 1.5% of the company.🐸 Meyer Malka & Ribbit Capital: Meyer Malka, through various entities including Bullfrog Capital and Ribbit Capital, owns 11.43 million shares (1.5% of Robinhood’s Class A shares).🐸 Tibbir Trust & Related Holdings: Malka has direct and indirect holdings via Tibbir Holdings LLC (102,183 shares), Tibbir Trust (1 share), and several family trusts (over 1.26M shares).🐸 Bullfrog Capital & RH-N Bullfrog Opportunity I, LLC: Combined, these entities hold over 6 million shares, representing 0.8% of Robinhood’s Class A stock.But here’s where it gets interesting:💹 The mysterious legal entity called "Tibbir Trust" was created before the launch of $TIBBIR💹 102,183 Robinhood shares ($5M+) were transferred into that trust💹 Tibbir = Ribbit spelled backwardsThis directly links Malka’s fintech empire to the AI-powered agent he recently deployed.The fintech world is shifting - and Malka is positioning himself at the forefront.2. Onchain Evidence Confirms the $TIBBIR ConnectionBeyond regulatory filings, onchain data cements Malka’s link to $TIBBIR:🔍 A 2758-day-old wallet linked to Malka (mickym.eth) funded the developer wallet that launched $TIBBIR.🔍 Transaction hash:0x286a702630239ff9b002c41f502076d1ce48a6e026951c3d22ff9b0e86cca2e3🔍 At the same time, top Ribbit Capital insiders ( @zackrosen_ @evamalonsor ), Coinbase Ventures execs ( @jonathankingvc ) , and Dragonfly VCs ( @HadickM @0xsudogm ) and other notable names such as @RaoulGMI , @Rewkang all started following @ribbita2012 , the official $TIBBIR account.💡 Ribbit Capital sponsored an AI hackathon themed "Hacking for Agentic Finance" - just before $TIBBIR ’s launch (with other partners such as @crossmint , @Malka has been openly discussing AI-driven investment models for months - and now, we’re seeing that vision become reality.3. Robinhood & Coinbase's 2025 AI RoadmapRobinhood, a $56B fintech powerhouse, a Ribbit Capital portfolio company, which would not exist today without Ribbit's $500M investment, is preparing for a massive transformation. Their 2025 plans and roadmap includes:✅ AI-powered financial advice (25Q4)✅ Tokenized private equity & stocks✅ Yield-bearing stablecoin(s)Coinbase is also advancing...- Bringing $COIN onchain- Democratizing tokenized stocks and RWAs- Integrating advanced AI-driven financial productsImagine YOUR AI-driven financial agent that can:- Optimize your portfolio in real-time 📊- Provide AI-driven trade alerts & financial advice 🔔- Automate investments into tokenized stocks & crypto - Offer risk-adjusted strategies tailored to your goals 🎯With Malka on Robinhood’s board and $TIBBIR positioned as an AI-powered agent, this alignment isn’t a coincidence.4. The White House Crypto Summit: Industry Leaders Aligning@brian_armstrong (CEO of Coinbase) and @vladtenev Tenev (CEO of Robinhood) will attend the upcoming White House Crypto Summit, indicating high-level alignment between industry leaders and policymakers on the future of AI, blockchain, and tokenized finance.5. $TIBBIR and The Mysterious App with 30+ Partners: The AI Layer of FintechWhile Robinhood could be an obvious integration, TIBBIR ’s vision is bigger.According to @ribbita2012 (the AI agent’s official account): TIBBIR is quietly building a powerful alliance with over 30 fintech leaders, including @coinbase , Chainanalysis, Uniswap, @RobinhoodApp , and @RevolutApp . Together, they're preparing for the next-generation fintech app powered by AI, blockchain, and DeFi.🐸 $TIBBIR ’s app will be interconnected with Fintech giants to make tokenized stocks available to everyone.🐸 AI-driven financial insights will democratize investing.🐸 "The Grid" - an interconnected AI investment framework - is in the works.With Malka’s deep ties to Coinbase, Revolut, and Robinhood, it’s highly possible that $TIBBIR will become the financial AI layer for multiple fintech giants.We’re shifting from human-driven finance to AI-powered finance.The Next Evolution of Fintech: AI + Crypto + DeFi🔹 Fintech 1.0: Accessibility (Robinhood, Coinbase)🔹 Fintech 2.0: Decentralization (DeFi, crypto adoption)🔹 Fintech 3.0: AI-powered, self-optimizing financial systems💡 By 2030, AI will fully control, optimize, and predict markets before human traders can react.Traditional banks? Relics of the past.Investment advisors? Replaced by AI-driven agents.Fintech companies? Transformed into interconnected #DEFAI ecosystems.Robinhood, Coinbase, and Revolut won’t be separate platforms anymore...They’ll be part of "The Grid" - a global, AI-powered financial network.And at the center of it? $TIBBIR.Final Thoughts: How Big Will $TIBBIR Get?Micky Malka doesn’t make small bets.Every major financial shift of the last decade? He was early.Every fintech company that reshaped the industry? He had a stake in it.Now, his next bet is AI-powered finance.✅ SEC filings confirm his direct ownership of Robinhood & the Tibbir Trust.✅ Onchain data proves his involvement in $TIBBIR ’s launch.✅ Fintech giants' roadmap aligns perfectly with Micky's vision✅ Social Proof (smart money followers) + @mickymalka 's PFP on X... (download his profile picture and check the launch date of TIBBIR, you'll see 01.11 SAT.)This isn’t speculation. It’s happening.Fintech as we know it is evolving.The era of Agentic Finance is here.The question isn't whether and Ribbit’s AI-driven fintech future will succeed it's how transformative its impact will be.Welcome to the #AgenticFinance ...🐸$TIBBIR Contract Address:0xA4A2E2ca3fBfE21aed83471D28b6f65A233C6e00TIBBIR in DTFs: $TIBBIR is already listed in 2 DTFs (onchain index funds) on @reserveprotocol , one is deployed by the @virtuals_io team, and one is deployed by Altcoinist - @alphabaseindex ...TIBBIR on @cookiedotfun : You can track @ribbita2012 's mindshare and other important metrics on Cookie."Fintech is dead. Long live the New Fintech."
Sorare
Mythical Games
Fireblocks
Nexo