Oct 16, 2026 · 20 min · 12 segments
Thierry Edde, Head of Crypto at Deel, joins Dan Romero for Stable Takes’ first guest interview. Deel shipped its first stablecoin product three years ago, built to solve a specific problem…
Thierry EddeGuestDan RomeroHostSimon TaylorHostUh, so I wanna bring one thing to the table if I can, which is I don't know if you saw that JPMorgan's gonna block outside agents like Meta's Muse, um, from customer accounts, according to Jamie Dimon on his earnings call.
The-- If you saw this one, stop me, but, like, I thought it was super interesting 'cause, like, of course, a bank is gonna block those bots if it's gonna cause a lot of fraud and whatever else.
And, and I think, uh, Bank of America said a similar thing as well, if you saw that.
I actually installed it this morning for-- You know, I'm a big Mercury personal fan, and, uh, it, it works amazing.
Um, so I, I, I think we've said this before, but I think there are gonna be companies that lean into agents and kind of realize that this is actually a way to grow and, and appeal to people who are agent-built today.
And then you would argue that most consumers are going to expect this to be functionality.
And then you're gonna have a lot of folks who, who want to keep control and are, at least in the initial phase, saying, "Hey, we're agents.
We're, we're not open for agents." Now, there, there is the argument that it might not matter because the agents are gonna get good enough with browser use, computer use, phone use, who, who knows, that, uh, they won't even be able to detect it, right? Like a lot of the, the technology used to detect it is, is somewhat primitive.
I mean, you, you know, uh, Sardine as well as anyone, but I think, like, there's definitely stuff you can do to detect it.
But if, if you, if you have an AGI or, or, you know, super intelligence controlling the browser, I think it's gonna make it look perfectly like a human.
Even, even-- You, you could even record your own, uh, computer use for a week and then, and then have a, a kind of fingerprinted version of-
So I, I, I, I think generally This is gonna keep playing out again, and again, and again, and the companies that lean into agents are going to, you know, have to shift over from consumers who wanna use agents.
Yeah, it's like, do, do you want that marginal customer, um, that's, that's a tech adopter that's probably high earning or not? And I don't know that that's Chase's core customer base.
Um, I think they're opening branches, and they're getting the mass market who, you know, like, uh, more than 80%, some 90 odd percent of users have used the free version of ChatGPT.
There's something like 5% that pay a subscription, and of those, how, how many have actually done anything beyond using it as a better Google? So we're still so unbelievably early.
It costs them nothing to block it, and at the same time, they're potentially reducing a lot of fraud.
Uh, so I wanna bring one thing to the table if I can, which is I don't know if you saw that JPMorgan's gonna block outside agents like Meta's Muse, um, from customer accounts, according to Jamie Dimon on his earnings call.
The-- If you saw this one, stop me, but, like, I thought it was super interesting 'cause, like, of course, a bank is gonna block those bots if it's gonna cause a lot of fraud and whatever else.
And, and I think, uh, Bank of America said a similar thing as well, if you saw that.
I actually installed it this morning for-- You know, I'm a big Mercury personal fan, and, uh, it, it works amazing.
Um, so I, I, I think we've said this before, but I think there are gonna be companies that lean into agents and kind of realize that this is actually a way to grow and, and appeal to people who are agent-built today.
And then you would argue that most consumers are going to expect this to be functionality.
And then you're gonna have a lot of folks who, who want to keep control and are, at least in the initial phase, saying, "Hey, we're agents.
We're, we're not open for agents." Now, there, there is the argument that it might not matter because the agents are gonna get good enough with browser use, computer use, phone use, who, who knows, that, uh, they won't even be able to detect it, right? Like a lot of the, the technology used to detect it is, is somewhat primitive.
I mean, you, you know, uh, Sardine as well as anyone, but I think, like, there's definitely stuff you can do to detect it.
But if, if you, if you have an AGI or, or, you know, super intelligence controlling the browser, I think it's gonna make it look perfectly like a human.
Even, even-- You, you could even record your own, uh, computer use for a week and then, and then have a, a kind of fingerprinted version of-
So I, I, I, I think generally This is gonna keep playing out again, and again, and again, and the companies that lean into agents are going to, you know, have to shift over from consumers who wanna use agents.
Yeah, it's like, do, do you want that marginal customer, um, that's, that's a tech adopter that's probably high earning or not? And I don't know that that's Chase's core customer base.
Um, I think they're opening branches, and they're getting the mass market who, you know, like, uh, more than 80%, some 90 odd percent of users have used the free version of ChatGPT.
There's something like 5% that pay a subscription, and of those, how, how many have actually done anything beyond using it as a better Google? So we're still so unbelievably early.
It costs them nothing to block it, and at the same time, they're potentially reducing a lot of fraud.
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