Once AI commoditizes software across the board, what's left? Money and payment networks might just be the final frontier for genuine network effects. Think about it—every other software layer gets flattened and automated, margins compress, competition becomes ruthless. But financial networks? They get stronger as more users plug in. That stickiness, that switching cost, that's real. In a world where code becomes a commodity, the ability to move value, settle transactions, and maintain trust could be the most defensible moat. Crypto didn't invent this dynamic, but it's certainly positioned to capture it.