Tom Lee: The Most Exciting Thing About Crypto in 2027 The next wave of 'users' might not even be humans! Tom Lee's logic: Once AI and robots truly enter economic activities, every transaction in the real world will require corresponding payments and settlements in the financial system. But today's banking system is essentially designed for humans, not for millions of AI agents making payments to each other every second. When robots actually start spending money, problems will arise immediately: Who gave the instructions? Who authorized the spending limit? How do you handle micro-payments of just a few cents? How do machines verify and settle transactions with each other? Traditional finance is too costly to handle these issues, while blockchain is naturally suited to embed permissions, payment, and settlement rules directly into code. Robinhood predicts that the entire financial system will eventually settle on blockchain. BlackRock and JPMorgan have already embraced blockchain as the next-generation financial infrastructure. Tom Lee even believes that large financial companies will increasingly resemble tech companies, with valuation models evolving accordingly. Crypto will emerge as a huge winner in this transformation.