Is the wave of investment in AI agents coming? Get ahead of the investment trend.

In the previous course, we focused on the BIG IDEAS for 2025 as outlined by Cathie Wood, with the first discussed investment theme being AI Agents. Cathie believes that AI Agents will redefine consumer interactions and business workflows, creating a groundbreaking shift in human-computer interaction.

So, how do AI Agents actually operate? What disruptive advancements will they bring about in various industries and companies? What noteworthy investment opportunities exist in US stocks? This week's rapid opportunity course will share insights!

What are AI Agents?

AI Agents are intelligent systems capable of autonomously performing tasks, optimizing decisions, and deeply interacting with users. According to the ARK report, AI Agents will disrupt traditional models of information acquisition, consumption, and payment, becoming "technology accelerators" that drive a revolution in efficiency across sectors such as advertising, E-Commerce, and software development.

Core predictions about AI Agents

Based on the ARK report and market dynamics, we have extracted some core viewpoints and data support to help everyone understand the primary investment direction for AI Agents.

1. AI is accelerating advancements in hardware and software.

• Core viewpoint: OpenAI's revenue growth rate is significantly faster than that of social platforms like Instagram and Facebook, indicating the enormous monetization potential of AI technology.

• Data support:

• OpenAI expects revenue to exceed 10 billion dollars in 2025, surpassing Instagram's performance during the same period.

• Starting in 2025, most consumer hardware will come with built-in AI features, accelerating market penetration.

2. AI reshapes advertising and consumer behavior

• Core viewpoint: AI Agents will change traditional search patterns, simplify the shopping process, and enhance ad conversion rates through personalized recommendations.

• Data support:

• By 2030, AI advertising revenue is expected to account for 54% of the global digital advertising market (1.1 trillion dollars).

• By 2030, AI agents will facilitate 9 trillion dollars in online consumption, accounting for 25% of the addressable market.

3.AI驅動數字錢包價值躍升

• 核心觀點：AI採購代理（Purchasing Agents）將顯著提升數字錢包的企業價值。

• 數據支持：  

• 數字錢包在電商支付中的份額將從2023年的50%升至2030年的72%。

• 數字錢包正在整合金融和電子商務，根據市場對Block，Robinhood和SoFi等數字錢包平台估值，單位用戶價值達到1800美元。

• 2030年AI代理可能為錢包平臺新增50-200美元/用戶的價值；預測平台創收達到40 billion美元，樂觀情況下將達到200 billion美元。

4.AI幫助企業節省成本

• 核心觀點：AI Agents替代人力客服，將勞動成本轉化為軟件成本，大幅降低企業支出。  

• Data support:

• If AI handles 70% of customer service requests, American companies can save up to 54 billion dollars annually.

• If the cost per conversation is reduced by 50%, potential savings will double.

5. The AI-driven software development revolution

• Core viewpoint: AI coding agents enhance software development efficiency, pushing enterprises from "purchasing" to "building" their own solutions.

• Data support:

• The proportion of AI solving real coding tasks increased from 20% in September 2023 to 70% by December 2024.

• Global software spending might accelerate from 14% over the past decade to between 18% and 48% by 2030.

Which companies are worth paying attention to?

In summary, the investment opportunities brought by AI Agents can generally focus on companies in automation tools, AI-driven payment platforms, AI agent technology, and AI-specific hardware.

Sofi specifically mentioned companies related to digital platforms in the report, including $Block(XYZ.US)$ ， $Robinhood(HOOD.US)$ and $SoFi Technologies(SOFI.US)$ . According to the report, Sofi predicts that in the next 5 years, the revenue of digital wallets is conservatively estimated to reach 40 billion dollars and optimistically estimated to reach 200 billion dollars, demonstrating the huge market potential of digital platforms. Let's briefly understand the applications of AI Agents in three companies.

Block

$Block(XYZ.US)$ Originally named Square, it is a fintech company whose core business is divided into two main areas: merchant services (Square) and consumer finance (Cash App). Square primarily provides solutions for small and medium-sized enterprises from payment to cash flow, while Cash App mainly offers personal finance applications, P2P payments, investments, Bitcoin trading, and other services, serving as a major digital wallet product targeted at young people.

Block's growth potential comes from Cash App, which has accumulated 57 million users, and the user base continues to grow. With the support of AI, Block can analyze user behavior more accurately and provide more personalized and professional services, which have long-term growth potential.

In the past year, Block achieved a 33% increase, surpassing the performance of the S&P 500. However, after the performance in Q4 2024, the stock price fell significantly by over 17%, mainly due to the growth of various sectors being slightly weaker than expected, and the 2025 guidance lacks significant highlights. Future focus should be on the monthly active user growth rate of Cash App and the recovery of gross profit.

Currently, from a technical perspective, the stock price has broken through the critical level of the 61.8% Fibonacci retracement, and future attention should be on the strong support level of $55 at the previous low.

Robinhood

$Robinhood(HOOD.US)$ It is a company that people are more familiar with, mainly providing retail investors with trading in Stocks, ETFs, options, and Cryptos. Its advantages are a large young user base and an innovative trading platform. Robinhood's digital wallet business mainly focuses on the trading features of Cryptos, enhancing trading security through AI agents, providing market analysis and trading suggestions, and assisting in the development of smarter Asset Management features to help users manage their digital assets.

In the past year, Robinhood's stocks have increased by over 228%, and it has also received more favor from investors in Digital Currency trading. From a technical perspective, Robinhood is in a continuous rising phase, with short-term Support level referring to the EMA50 moving average around 48 dollars. It has pulled back to near the EMA50 multiple times in the past, which can be viewed as a relatively safe position for adding positions, suitable for long-term attention.

SoFi Technologies

$SoFi Technologies(SOFI.US)$ is a financial services company initially known for its student loan refinancing business, and now its operations have expanded into personal loans, credit cards, mortgages, investment Accounts, Bank services, and financial planning. It has a digital wallet product called SoFi Money and automated member services that reduce operational costs and enhance user retention through AI Robotics.

SoFi's advantage lies in its comprehensive financial service model, having a Bank license and compliance advantages, and utilizing AI technology for product recommendations and risk management.

From the current technical perspective, SoFi still maintains an upward trend, with short-term Support levels referring to the 38.2% Fibonacci retracement key level, corresponding to 13.57 dollars, and the Resistance level referring to 18.4 dollars.

In summary, these three companies have all made layouts in the digital wallet field, but their focus points are different. Block's Cash App is more advanced in P2P payments and Cryptos; Robinhood focuses on the Cryptocurrency wallet, relying on the surge of the Cryptocurrency market. SoFi sees the digital wallet as part of its comprehensive financial services.

From an investment perspective, short-term attention can be paid to the elastic cycle of Robinhood's cryptocurrency, while long-term layouts can focus on the AI ecosystem integration capabilities of Block and SoFi. However, the overall uncertainty in regulation and the risk points of AI technology implementation difficulties need to be noted.

Risk Disclosure: This content does not constitute a research report, is for reference only, and should not be used as the basis for any investment decision. The information contained herein is not a comprehensive description of the securities, markets, or developments mentioned. Although the sources of information are considered reliable, the accuracy or completeness of the above content is not guaranteed. Furthermore, there is no guarantee regarding the accuracy of any statements, viewpoints, or forecasts provided in this article.