The next wave of Web3 is not about protocols—it’s about agents.

Why is this Satya Nadella's interview crucial for Web3?

https://www.youtube.com/watch?v=uGOLYz2pgr8

His key point: “Business apps today are just CRUD operations on databases. AI agents will replace business logic”. This shift isn’t just happening in Web2. Web3 will undergo the same transformation.

The next wave of Web3 is not about protocols—it’s about agents

Web3 today = access to a ledger. We’ve built great protocols, but the way users interact with them is outdated. The next wave of Web3 isn’t about better smart contracts—it’s about AI agents managing finance in a user-centric way. Instead of separate DeFi protocols on different chains, we will see composable agents that help users manage their finances autonomously.

The first step? Web3 Co-Pilots.

That’s why we launched Geary — an AI risk manager co-pilot (https://x.com/0xmikko_eth/status/1891840981009387863). Unlike Web2 AI, which relies on static databases, Web3 AI must:

- Be on-chain aware—learning and adapting from real-time blockchain data
- Be DeFi-native—understanding risk, liquidity, and execution dynamics
Integrate composably with smart contracts and multi-chain ecosystems
- Geary represents the first step toward an AI-driven Web3. It continuously analyzes market sentiment, financial data, and liquidity conditions to help users optimize risk management.

DEX liquidity shifts. Asset risk evolves. Yet lending protocols still rely on outdated, static risk parameters.

Meet Geary! Phase one of AI-powered autonomous risk management. A smarter, real-time approach to assessing risk. No waiting, no lag, no human bottlenecks.

More soon. https://t.co/BWFVHmf0ZA

0xmikko.eth 📍DevCon 🇹🇭

The Role of Account Abstraction (AA) in AI-Driven Web3

Account Abstraction (AA) allows AI agents to execute transactions on behalf of users, managing tasks such as yield farming and liquidation prevention without requiring constant approvals. AA serves as a gateway for various protocols. 
@jessepollak shared an interesting initiative about mini-apps https://x.com/jessepollak/status/1886896944448200908. The trend is evident. 
How can we make AA more sexy? At Gearbox Protocol, we are developing seamless lending integration directly within wallets, eliminating the need for external protocols. 

Trust me, it's quite challenging to explain to the agent how to manage the pool-based borrowing mechanics effectively. In contrast, with Gearbox, you can easily borrow assets against the funds on your account—it's simple and native. Even ChatGPT 3.5 can understand that!

Our marketing chie forbids me to share the video of working @safe integration, so... stay tuned, we'll publish it later.