The false reason for the cryptocurrency crash: interest rate hikes. The real reason: AI agents are starting to take over payments, while traditional giants like Visa, Mastercard, and American Express are directly entering the market. OpenAI's ChatGPT Wallet relies on the credit card network, bypassing on-chain transactions. Cryptocurrencies, originally expected to become the native currency of AI, now seem unable to compete! So, where does cryptocurrency's future lie?