The world and global society are currently undergoing a paradigm shift. After the internet changed how we access and share information, another big trend is starting to sweep through every facet of our lives and is paving a new way for humanity to progress to the next level and create a more connected future than ever before.

The driver behind this trend is a phenomenon called Artificial Intelligence (AI), which is establishing new rules for how we interact among one another, especially in terms of mass interaction; particularly the interaction between an individual and society as a whole. With AI, this interaction can take place without agents, intermediaries or even governmental organizations. Every individual can now connect to the group called humanity directly, and in a frictionless manner.

This happened because several conditions have been met that prior to current times, made complex AI a simple fantasy. However, AI has become more than just a reality. The power of the technology very recently crossed a meaningful critical point, where the speed of computations have actually started allowing for intelligent processes to be performed in real time, keeping up with constant change every moment, without any delays or latency.

These changes have pushed many fields into uncharted territory, a shift from using computers to perform traditional data analysis to full blown machine learning and thinking. This has led to to a full-blown artificial mind that is able to keep up with a steady flow of new information and go further and deeper into observing and connecting details which otherwise would be invisible to a human mind.



One of the most logical conclusions is that AI will first take over segments where optimal performance requires numerous repeating calculations, and where these calculations can be precisely defined, especially if they are driven by change that happens on a continuous basis at any given interval; every second, day, week and year.

It has been said that AI is the new electricity. But exactly how intelligent is AI? Before an answer can be given, it is important to process the fact that AI could actually be the new electricity. The plain fact is that this technology is able to solve real world problems, and at the same time capable of expending the least amount of energy in doing so. This ability connects AI to a stream of ecologically aware movements and initiatives, which reinforce the message of sustainability and preservation of the environment.

Nevertheless, this eco-friendly characteristic does not make it any less potent in solving intensely complex and the most demanding of intellectual problems. To evaluate the intelligence capability of AI, it is natural to want to compare it to human intelligence. It may come as a surprise that in certain fields, AI has actually taken over the intellectual capacity of a human being, regardless of how much time is given to the person to solve the same problem. AI is starting to outperform humans in terms of speed and depth of insight, changing the power dynamic between humans and machines. Simply put, AI is capable of solving more demanding problems than a human, and it solves them more quickly.

Financial markets are one of the first sectors where the power of this new technology will change the landscape significantly, starting from the current state of affairs.



The beauty of this super intelligence, which comes most handy in pure mathematics and economics, is that it levels the playing field for every participant in a given set of business activities. For a long time, the circulating debate has been about finding alternatives to both the legacy systems of the past and to the free market system.

Trust is the necessary component around which everything revolves when contemplating new alternatives for the evolution of the economic and monetary system, which accounts for one of the biggest platforms for today’s human interactions. What the public really wants is a socially responsible underpinning economic mechanism, which would let individuals lower their defences and allow them to focus on personal economic performance, rather than on spending energy on monitoring complex mechanisms to verify each opportunity or evaluating the integrity of new interactions with other participants in the environment.

In this way, AI can truly revolutionize economics and business, and can even increase productivity on a personal level by many folds. We only need to think how much time we spend on actions that are not a part of our core responsibilities. If we were able to delegate these ancillary or menial tasks to a reliable AI, we would be far more productive.



We need an unbiased, objective and verifiable mechanism around which society can reach a consensus. Recently, blockchain technology answered the problem of how we can reach consensus on a global level. This global interconnectivity can now provide a path for AI to reach every corner of the world. In order to reach a consensus however, people will have to allow the power to sit in the hands of the AI, and to not question its integrity at any point during the system’s performance.

However, the increasing majority of experts now agree that critical operations, which must remain error free, cannot be performed or executed by a human. Human factor involvement is known to leave room open for errors. This is a huge departure from past times, as we used to rely on human capability for creative thinking and finding new, original solutions.

Human input will always remain in control when monitoring and directing AI, but the technology is now also able to recognize new solutions to problems that reside on the very edge of randomness and unpredictability, making AI the tool of choice to break seemingly organic and hopeless conundrums. In the world of financial science, AI has been able to consistently outperform human experts in problem solving, while minimizing variables such as time and risk.



The proficiency of AI at finding solutions to economic problems, while also exposing users to the lowest possible risk necessary to complete a task, is a priceless feature of new AI technologies. This new risk mechanism is already starting to become active in the market, accumulating more and more activity every day.

Everyone understands that in order to create some growth, some risk needs to be accepted as well. An old trading adage is that one can profit only as much as the level of risk he or she is willing to accept. The AI released in the market is now actually shattering these old beliefs. AI can find win-win solutions, where both parties on each side profit at the same time repeatedly, even without negative consequences for other participants.

That said, AI is not a magician. It only is a set of rules and dynamic principles that will search for the best solution for all parties involved. But how is this possible? Society has gotten used to believing that one person’s gain is another person’s pain.

The answer lies in unspeculative engagement with every party in the market, where everyone knows their maximum downside and no one is exposed to risk beyond their capacity. This closes the doors on predatory speculators that thrived on taking advantage of uninformed individuals or counterparties that were not aware of how much risk they actually took on board. This situation actually represents the biggest portion of negative experiences where individuals lost their wealth, by unknowingly allowing the other side to benefit from a superior understanding of risk and asymmetry of information. If you did not know how much you could lose, and your opponent knew about this disparity, you were exposed to danger.

If every participant knew their downside and exactly what the profile of their risk is, then there can be no asymmetry of information and power in the economic landscape is distributed in a fair way. Everyone is respected for how much he or she can contribute to the whole. The mechanism that makes this possible is actually Artificial Intelligence, which protects all parties equally and promotes conservative behaviour with sustainability of economic performance as one of its maximums.



Sometimes the opportunities seem just too good to be true, and most of the time it is because they are. Recent studies have shown that even up to 25% of overall business seen in the new digital and blockchain economy has some sort of a connection to illegal activities. Connecting to everyone online is tempting, but it also opens up a lot of space for scammers and unscrupulous individuals looking for a quick buck. We as individuals can only do so much sitting behind a computer screen, sending emails and making phone calls. We want to progress quickly, but how can we be sure that the person we have contacted is not a bad actor?

There have also been some major technological advancements in the segment of verifying the integrity of potential counterparties without obstructing each individual’s right to the confidentiality and privacy of information. KYC (Know your Customer) and AML (Anti Money Laundering) protocols can be a tedious task that can take days or weeks to complete. In some cases, even large financial institutions decide to take shortcuts in order to save time and focus on the faster development of their business. Unfortunately, these practices are not the best ones and they set a bad example.

Nevertheless, because of the natural demand for such transparency, this is becoming another demanding field for Artificial Intelligence technologies, where it can help do a better job without great time and energy expenditures. Efficient execution of a rapidly developing business partnership requires an almost instantaneous check for whether we are dealing with a person or organization with good intentions, or we have come across a potentially toxic contact that spells danger if we decide to pursue business with them. At a current state of the technology, various AI’s are capable of performing a cross check of all necessary information of any individual across the world in under 30 seconds, and give a reliable result concerning the background of any individual or a corporation.

Without the intrusion of privacy, AI can search over 15 various national and international databases (potentially: like XXX, YYY, ZZZ), and will give a simple positive or negative feedback on any potential business partner, without you having to expend any time or resources. This is an important cog in the machine that is essential for all involved parties to feel comfortable when stepping into a new business venture with a new entity. Furthermore, the latest version of a particular AI in this field is capable of monitoring potential good actors gone bad. This shuts the door on everyone that wants to take advantage of the system by first complying with all of the rules, only with the intention to later turn their back on accepted, legal behavior.



X8 AG is a Fintech company which is among the select global leaders that have developed and integrated these AI technologies into new financial products and solutions that are now available for anyone around the world. The company has built its organization around a strong IT core which developed a unique AI capable of financial institution grade portfolio risk management. The technology can be applied to all investment market operations where a strong control over risk is critical for success.

Based on these technologies, the X8 team is also launching a new transformative digital currency product called X8currency (X8C). Among all the new digital currencies in the market, X8C is driven by a financially smart AI system at its core. This market risk management AI is called the Automatic Reserve Management AI – or ARM AI. The fintech team of the Swiss based X8 AG developed this particular AI over a period of 10 years to take on a role of efficient and socially responsible worldwide capital allocations and transactions, while simultaneously complying to the strict rules and regulations in place under Swiss legislative framework.

The main mandate and mission of this ground-breaking digital currency is to deliver the standout value preservation digital currency. Now that the team has founded the stable token segment at the earliest stages of its development, the company is now pushing on to new frontiers and introducing two new token products that both propel the stable token concept to a new level.



Stability is just not enough. If society wants to reconsider what kind of money the world economy needs in the future, it only needs to think about the effects of inflation on our global economic system in recent times. When inflation is on the rise, as it is currently, stability will not take stable token users very far. South Africa, Turkey, India, and a few other developed nations are the recent examples that suffer from inflation, proving mature economies are not immune. Digital currency needs to be able to preserve value and stand the test of time, so that it will be as valuable in a few years as it is now. Only in this case will the wider population be ready to accept it and will new digital money become widely adopted.

The X8 Dollar and the X8currency products will be the first that will venture into this realm. The X8 Dollar aims to be the new benchmark for US Dollar denominated stable token that will be able to fight inflation and deliver vast amounts of flexible liquidity and safety to its users. It will also support the central mandate of the central bank to help create price stability in the global economic environment through the help of ARM AI.

People know how to compare various dollar products among themselves, and the X8 Dollar can play the role of a new benchmark from which to compare other stable token products.

The true revolution in value preservation however will be X8currency. If on one side the X8 Dollar will be regarded as the benchmark dollar denominated digital currency token, X8currency will not limit itself only to the currency issued by the US Federal Reserve. As the name suggests, X8currency will employ the top 8 FIAT currencies simultaneously, breaking away from the dependency on any individual major currency. X8currency aims to become the first truly global digital currency and will achieve stability and fight inflation in a new kind of way, decreasing the world’s dependency on only a single reserve currency.

To further strengthen the protection against any devaluation risk, X8currency will implement gold bullion as an insurance measure in the reserve basket of X8currency. Both the X8 Dollar and X8currency will be 100% backed by the underlying assets, and both will be managed by the ARM AI, creating two unique products, both capable of fighting the negative effects of inflation and helping monetary authorities to reach their mandates.



X8 AG underpins this monetary solution with one of the strictest KYC/AML protocols in the industry, another AI based control mechanism, to open these products to cross border payment applications in a completely regulated and compliant manner. Consequently, merchants all over the world will be able to tap into these new kinds of benefits.

The track record of the last 3 years, created in cooperation with a reputable financial institution, shows that the system will allow users like merchants and their usual every day businesses to stay safe not only from market fluctuations and unwanted volatility of the US Dollar or Bitcoin, but at the same time will allow them to remain protected from bad actors, financial and cyber crime, while still being open to countless new opportunities that this system will provide for the market and its participants.

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Gregor Kozelj

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