Apollo Chief Economist Torsten Slok warned that widespread use of AI agents could move household cash from bank accounts paying the 0.1% national average into products offering 3% to 5%, eroding the cheap deposits banks use to make loans. Earlier coverage described a 3.3% to 5.0% range. Slok cited Revolut, SoFi, Varo, LendingClub and Wealthfront as examples of higher-yield alternatives, while community banks have raised similar concerns about rewards or yields tied to crypto deposits and stablecoins. The latest account described those concerns as an obstacle surrounding the CLARITY Act's passage earlier this month; earlier coverage characterized them as contributing to the bill's demise in the Senate. Haseeb Qureshi of Dragonfly said agents could intensify failures like Silicon Valley Bank's 2023 collapse because automated systems may act with less behavioral diversity than people. A 2020 paper co-authored by former SEC Chair Gary Gensler and Lily Bailey also warned that widespread deep-learning adoption in finance could expose regulatory gaps and increase systemic fragility. BlackRock researchers said AI and crypto are increasingly converging as machines take a larger role in economic activity. Coinbase has added stock trading for agents through Coinbase for Agents, offering more than 6,000 stocks and x402 payments that allow agents to use USDC balances for live market data. Coinbase AI product lead Lincoln Murr described a feedback loop in which agents buy data to improve trading decisions, while Brian Armstrong has called the AI-crypto convergence agentic finance.