| For some young people, AI is the ‘daily driver’ |
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| For young people using AI to think through their finances, retail trading is increasingly likely to come up in conversation. |
Retail investing flows grew by 50% between 2023 and 2025, according to JPMorgan data, and investment platform adoption has seen a sharp uptick among people in their twenties. Increasingly, these young investors form their trading strategies with the help of chatbots. |
| “We’re seeing people using Surf as their daily driver for investment advice for how they want to find opportunities in crypto markets,” Ryan Li, co-founder and CEO of AI crypto trading platform Surf, said. He added that Surf uses custom models in which the data input is curated, so the AI produces higher-quality outputs for users — and, in theory, hallucinates less. |
| If Harvey and Open Evidence can be valued in the billions for domain-specific AI businesses, then a similar business could be sold to traders, Li said. He also argued that Surf’s AI model can surface insights and strategies that users couldn’t otherwise find. |
| And if AI trading companions are going to have legs, fine-tuned vertical startups may be needed, because whether it’s trading or running a vending machine, frontier models aren’t always the best with money. |
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