The Great Rewrite: AI, Bitcoin, and the Unraveling of the Old Monetary Order
The monetary system isn’t adapting. It’s being rewritten, by code, capital structures, and machine intelligence. This is not a forecast. It’s happening now.
The Great Rewrite: AI, Bitcoin, and the Unraveling of the Old Monetary Order
The architecture of global finance is undergoing a silent but radical transformation. Not through G20 declarations or central bank memos, but via convertible notes, offshore legal entities, and recursive AI-led capital flows. At the center of this is Twenty One Capital, a $3.6 billion investment vehicle involving Tether, Cantor Fitzgerald, and SoftBank. But this isn’t just a crypto fund.
It represents a deeper shift: the consolidation of private monetary power.
So here is what they are doing:
Buying Bitcoin
Using that Bitcoin to back financial deals and investments
Wrapping it all inside a traditional company structure so Wall Street and public investors can easily invest in it, without needing to touch Bitcoin directly!
They’re essentially taking something that used to exist outside the traditional financial system (Bitcoin), and building a bridge so it works inside the system — using the same tools big banks use: equity, debt, structured notes, and public listings.
Bitcoin is no longer on the outside. It is becoming institutional collateral. AI is no longer theoretical. It is the primary allocation engine for institutional capital.
Together, they are creating a new geopolitical and monetary structure; one that does not wait for public consensus.
Personal Context: From Emerging Markets to Monetary Inflection
In 2013, I helped early crypto pioneers acquire the first bank to support Tether. At the time, it was a leap of faith. No regulatory frameworks, no precedent, only vision. My years across Sub-Saharan Africa and Latin America showed me how broken fiat systems were and how geopolitics shaped monetary control. That lens helped me see Bitcoin not as speculation, but inevitability.
Today, that early risk is being scaled globally. The same tools that built resilience in emerging markets are now being weaponized by institutions. But the stakes are no longer regional. They are systemic.
Structured Products, Sovereign Substitutes
Tether’s partnership with Cantor Fitzgerald is regulatory engineering: it embeds crypto-native liquidity into the U.S. financial system without requiring crypto-native regulation. Through convertible debt and PIPEs, Bitcoin is now collateralizing equity structures.
This is not about adoption. It’s about integration without accountability.
Bitcoin is now contending directly with sovereign debt instruments. Its inclusion in structured deals repositions it from speculative asset to programmable collateral.
AI as Monetary Infrastructure
AI is no longer just a tool in financial markets. It’s becoming the invisible hand behind capital allocation.
According to the IMF, AI may enhance efficiency while amplifying volatility. In practice, hedge funds and sovereign vehicles are already using it to reallocate billions in real time, based on global signals that include digital assets like Bitcoin.
AI now determines who gets funded, when, and under what risk models—often without human intervention or regulatory clarity. Where Bitcoin defines programmable value, AI defines programmable velocity: deciding how fast capital moves, across what borders, and under what logic.
This is no longer just market transition; it is the emergence of a non-sovereign monetary intelligence layer, reshaping financial flows with no geopolitical allegiance.
Sources:
Reuters: Tether, SoftBank, Cantor launch $3.6B fund
Monetary Power Without a Flag
With stablecoin issuance and collateralized Bitcoin holdings, Tether is evolving into a non-state monetary actor. Its market influence mirrors that of a central bank, but with none of the democratic mechanisms or sovereign accountability.
This is not institutional adoption. It is financial re-foundation. Private firms are building parallel monetary systems. The regulatory frameworks, and the public institutions built to govern capital, are reacting after the fact.
Conclusion: Recognize the Architecture, Shape the Future
This is not the early stage of a trend. We are in the middle of a transition where AI and crypto-native finance are rewriting the rules of global money. Sovereignty, regulation, and monetary orthodoxy are now contested spaces.
Bitcoin is the new base layer. AI is the execution layer. The time to debate legitimacy was yesterday. The task now is understanding how to ensure these systems are transparent, accountable, and equitable.