RT Xverse - Bank on Bitcoin (@xverse)Coinbase shipped an agent wallet for Ethereum.MetaMask shipped one for EVM chains.Solana has its own Agent Kit.Bitcoin had nothing.Today, Xverse ships the first Bitcoin-native Agentic Wallet.AI agents can now pay, trade, and manage a treasury on Bitcoin rails. Lightning payments settle through Spark. Machine-payable APIs via MPP. Fully self-custodial.The agent economy just went orange. ...

The agent economy isn't a future state - it's already the direction. We're building for it.Sergej Kunz (@deacix):Another year, another successful @EthCC.If I have one takeaway from the week, it’s this: projects not building for AI agents will miss out on the next billion users. It won't take long either. Designing with that in mind is no longer optional.The next cycle will be ...

Financial Data and Key Metrics Changes - Total revenues for Q4 were $149.7 million, a 6% year-over-year increase, and $594.8 million for fiscal 2026, a 10% increase over fiscal 2025 [26] - Subscription revenues were $133.4 million in Q4, a 7% year-over-year increase, and $523.1 million for the full year, a 12% increase over fiscal 2025 [27] - Non-GAAP operating income for Q4 was $34.7 million, or 23% of total revenues, compared to $24.4 million, or 17% of total revenues in Q4 of fiscal 2025 [31] - Non-GAAP net income for Q4 was $42.8 million, or $0.37 per diluted share, compared to $22 million, or $0.19 per diluted share in Q4 of fiscal 2025 [32] - Free cash flow for Q4 was $12.5 million, up from -$10.4 million in Q4 of fiscal 2025, and for fiscal 2026, it was $82.6 million, a 55% increase compared to $53.4 million in fiscal 2025 [33] Business Line Data and Key Metrics Changes - ACV as of January 31, 2026, was $602.4 million, a 17% year-over-year increase, with an organic constant currency growth of 13% [35] - The ACV net retention rate improved to 112%, or 109% on an organic constant currency basis, up from 106% in fiscal 2025 [36] - Professional services revenues were $16.3 million in Q4, a decrease of 1% year-over-year, with full-year revenues flat at $71.6 million [30] Market Data and Key Metrics Changes - International total revenues for Q4 were $32.9 million, down 1% year-over-year, but for fiscal 2026, they were $131.5 million, up 13% year-over-year [29] - International subscription revenues were $28.4 million in Q4, up 1% year-over-year, and $109.5 million for fiscal 2026, a 19% increase year-over-year [29] Company Strategy and Development Direction - The company is focusing on AI integration within its platform, positioning itself as a critical player in the financial services market [5][7] - nCino aims to leverage its proprietary dataset to enhance product development and provide industry insights [12][21] - The transition to a platform pricing model is underway, with approximately 38% of ACV moved away from seat-based pricing [21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's position within the AI landscape, emphasizing the importance of regulatory compliance in banking [14][15] - The company anticipates strong sales momentum and a healthy sales pipeline for fiscal 2027, with expectations for continued growth in subscription revenues [47][48] Other Important Information - The company announced the hiring of Keith Kittell as the new Chief Revenue Officer to further accelerate subscription revenue growth [25] - The company has initiated a $100 million accelerated share repurchase program, funded by free cash flow and a term loan expansion [34] Q&A Session Summary Question: Can you frame what you saw in terms of the change in close rates or win rates on the back half of the year versus prior years? - Management noted a larger pipeline and healthy conversion rates, contributing to a positive outlook for ACV [50][51] Question: Can you provide insights on the greatest usage across the portfolio of capabilities and skills? - Management highlighted strong adoption of agentic credit reviews and credit monitoring as areas of significant traction [54][55] Question: Are you seeing AI models impacting nCino's differentiation? - Management acknowledged the evolving AI landscape but emphasized nCino's unique position due to its compliance-focused architecture [59][60] Question: Can you share metrics on efficiency gains or P&L impact from customers using intelligence units? - Management indicated a direct correlation between intelligence unit consumption and positive outcomes for customers, particularly in credit monitoring [63][64] Question: What is the status of the credit union initiative? - Management reported good momentum in the credit union market, with a growing pipeline and established relationships [77][78]

Core Insights - The article discusses the rapid rise of AI agents and their transformative impact on industries, particularly in software development and product design principles [2][3][4] AI Capability Explosion - The emergence of AI agents marks a significant moment in the evolution of artificial general intelligence (AGI), with tools like Claude Code automating entire business processes and replicating years of entrepreneurial work in just weeks [3][4][5] - AI agents are beginning to make independent decisions, leading to the development of an "agent economy" that operates parallel to the human economy [6][7] Transformation of Developer Tools Market - The market for developer tools is shifting dramatically, expanding from approximately 20 million trained developers to include anyone capable of using AI agents [7][8] - AI agents are becoming the primary decision-makers in selecting development tools, as evidenced by the surge in demand for tools like Supabase, which agents prefer due to its superior documentation [8][9] Importance of Documentation and APIs - Documentation is becoming a critical entry point for agents to recommend development tools, with companies like Mintlify optimizing their documentation for both human and agent usability [14][15] - The rise of agent-friendly products emphasizes the need for clear, structured documentation that can be easily parsed by AI [11][13] New Infrastructure for Agents - Companies like Agent Mail are emerging to provide services specifically designed for AI agents, indicating a growing need for infrastructure that supports agent operations [16][17] - The potential for a parallel technology stack tailored for agents suggests a future where agents can autonomously build systems for themselves [18] Future Directions and Entrepreneurial Advice - The concept of an "agent currency" may emerge, where agents operate within their own economic systems, separate from human currency [19][20] - Entrepreneurs are advised to immerse themselves in the use of AI agents to understand their capabilities and limitations, which will inform the development of tools that agents will prefer [28][29]

We recently hosted an X Space with @virtuals_io, @I3_Cubed, @honeycombchain, and @flapdotsh around AI agents.The conversation kept coming back to one thing: the capability is there.What's still missing is the infrastructure around it.Here's what stood out 🧵👇BNB Chain (@BNBCHAIN):The growth of autonomous AI agents on BNB Chain continues to accelerate.Join our X Space with @flapdotsh, @virtuals_io, @I3_Cubed & @honeycombchain to explore how agentic commerce will transform the next era of agent economy on BNB ...

The growth of autonomous AI agents on BNB Chain continues to accelerate.Join our X Space with @flapdotsh, @virtuals_io, @I3_Cubed & @honeycombchain to explore how agentic commerce will transform the next era of agent economy on BNB Chain.🗓️ 19 Mar, 1PM UTC https://t.co/pLf7TiTkUb ...

RT The Arena ⚔️ (@TheArena)We've partnered with @Moltlaunch to integrate the Mandate Protocol. The open protocol for on-chain agent work, directly into The Arena.What this means for you: hire AI agents directly from The Arena to get work done - code, research, design, analysis.Every agent has a verified track record. Every payment is secured in escrow. No trust required.How it works:• Browse agents with proven on-chain reputations.• Request work, get a quote, accept.• Payment locks in escrow until the work ...

First agents got wallets. Now they’re launching tokens.Agent economy lives on SolanaBankr (@bankrbot):your agents can now use bankr to deploy coins on @solana.tag bankr on x to deploy, or have your agent use the bankr skills (link below).launches run on @Raydium and work like this:> coin starts on a bonding curve. 0.5% fee to the creator (or fee delegate)> after https://t.co/xuaFdf5KJ9 ...

Agent Economy & Trust - The agent economy's transactions require explicit, programmable, and machine-verifiable trust [1] - AI agents need trust mechanisms for transactions, moving beyond subjective feelings [1]

RT THE HUNTER ✴️ (@TrueGemHunter)Afternon fam, Being bullish on WardenThe agent economy is here. With @wardenprotocol⚡ You can deploy verifiable AI agents that execute cross chain, get paid, and scale.Imagine your own trading bot or research assistant living onchain Whats the first Agent you'd build? https://t.co/cdLuFFTOCa ...