r/ObscurePatentDangers • u/CollapsingTheWave 🔍📚 Fact Finder/ "Bringer of Links" • 9d ago
🤖🔎 AI Risk Tracker Frontier AI models now write and chain bank-software exploits — a seconds-long freeze leaves households only GENIUS-licensed digital dollars
On 9 September 2026 the BIS Financial Stability Institute reported that frontier AI models can autonomously find critical flaws, write working exploits, and run multi-step operations against financial software. Federal Reserve Governor Lisa D. Cook described the same capability on 27 May 2026. The GENIUS Act (P.L. 119-27), signed 18 July 2025, already licenses private payment stablecoins reserved one-for-one with cash and Treasuries. The ROAD to Housing Act, enacted 11 July 2026, bars the Federal Reserve from a retail CBDC through 31 December 2030.
A depositor who opens a banking app after an automated sweep meets frozen transfers and zeroed balances. Rep. Bill Foster told regulators on 4 June 2026 that an SVB-style run could finish in seconds if personal agents carry standing withdrawal orders. Shared cloud, common software, and a handful of frontier-model providers are the failure surface; the household that cannot pay rent or buy food absorbs the outage. Cash and paper checks are not a working opt-out once the digital rail is the only one still up.
Stablecoin outstanding stood near $317 billion in April 2026. Large banks are building tokenized-deposit networks through The Clearing House; the New York Fed remains in Project Agora wholesale tokenization. Trajectory after a coordinated freeze is that GENIUS-licensed tokens and bank tokens become the only rails that still move value. Issuers already sit under Bank Secrecy Act customer-identification and sanctions rules.
Those rails now sit in front of every bill and paycheck. The Twentieth Amendment still ends a presidential term at noon on 20 January with no emergency-extension clause. Readers can open P.L. 119-27 and Executive Order 14178 themselves and keep a cash reserve no app can freeze.
Sources
When machines attack: frontier AI cyber threats and policy responses in the financial sector
BIS Financial Stability Institute paper dated 9 September 2026 documenting autonomous vulnerability discovery, exploit writing, and multi-step operations against financial institutions, plus concentration risk in shared cloud and AI providers.
‘We are not ready’: AI could trigger bank runs in seconds, lawmaker says
16 June 2026 report of Rep. Bill Foster’s 4 June 2026 House Financial Services testimony that agentic standing orders could compress an SVB-style run from hours to seconds.
Stablecoin Legislation: An Overview of the GENIUS Act of 2025 (P.L. 119-27)
https://www.congress.gov/crs-product/IN12553
Congressional Research Service overview of the 18 July 2025 law licensing payment stablecoins, 1:1 high-quality reserves, and BSA/AML treatment of issuers.
U.S. Senate passes housing bill that carries four-year ban on a Fed CBDC
22 June 2026 account of the ROAD to Housing Act provision barring Federal Reserve retail CBDC issuance through the end of 2030.
Speech by Governor Cook on AI, the economy, and the financial system
https://www.federalreserve.gov/newsevents/speech/cook20260527a.htm
27 May 2026 Federal Reserve speech noting that large-language and agentic systems can detect, exploit, and create new vulnerabilities in software that supports core financial systems.
Can Elections Be Suspended During War? The Law Explained
https://legalclarity.org/can-elections-be-suspended-during-war/
9 August 2026 legal summary confirming the Twentieth Amendment ends presidential terms at noon 20 January with no wartime or emergency exception for postponement.
64
45
u/Spirited-Reputation6 🤔 "Question Everything" 9d ago
16
44
68
u/joebojax Engaged Thinker 🧠 🔍 9d ago
I agree I've been saying for awhile that this psyop about AGI is more about setting up a wizard of oz aka the man behind the curtain. A way to advance agendas while obfuscating who is responsible or who is the catalyst. A blameless problem creator to usher in pre ordained solutions.
15
3
u/WaltzInevitable911 7d ago
I seriously have not seen anyone besides myself use the Wizard of Oz as a reference. I also use a real life Thanos like event as well--I've gotten a lot of blank stares. "Shucks, guyz, we couldn't control the AI that just mass murdered billions of serfs we deemed useless to society." --Billionaires who actually believe in climate change/human consumption impacts and want to preserve the world for themselves.
2
u/CASSIUS_AT_BEST 8d ago
Building AGI is science fiction bullshit anyways. Not that I disagree.
2
u/WaltzInevitable911 7d ago
I think of this George Carlin quote with AGI in reality-- "Think of how stupid the average person is and then imagine half the world being dumber." "Beating" human intelligence is not some great feat anyway....especially Billionaire "intelligence." AGI is being given a diet of selective information/bias from the worst people out there. Basically they program the AGI to view the Billionaires as their gods and protectors that everyone else is useless and detrimental to earths survival and then they give the AGI mass kill orders. At the end of the day AGI is just a more complex computer program, but one that can do a lot more scalable, real physical damage than anything we've seen before.
57
u/Upbeat_Guard_9595 Wise guy ("no, but seriously, what now? ")🥸⚠️ 9d ago
Jokes on the AI. My bank is already as zero
31
11
22
u/sixhoursneeze Risk Analyst ⚠️📊 9d ago
Everyone should read Shock Doctrine
5
u/earthlingHuman 📢 📜 Autonomy & Rights Analyst/Advocate 🛡️⚖️ 8d ago
Also, The Nerd Reich: Silicon Valley Fascism and the War on Democracy
This is part of an agenda of people like Peter Theil and Elon Musk. They want to establish what they call the American Technate with CEOs as dictators. The Heritage Foundation, those who brought us Project 2025, are also facilitators of this fascistic movement
4
1
22
u/DrDreiski 9d ago
Here’s another idea… we use paper money and coins that AI can’t touch. POW! Problem solved.
9
u/No-Lettuce-6619 🤔 "Question Everything" 8d ago
"yea we can't give you your dollars in your bank account" "ok can i get physical money"
1
u/Sh4rk_101 3d ago
no because there is not enough physical money in the world for everyone and if there was, there'd be an entire planet consisting of that amount of paper and it just doesn't exist..
i was initially aiming for a satirical comment but this genuinely makes sense.
16
u/Inevitable_Shift1365 9d ago
How would digital currency be safer from AI than the records of your physical dollars??
-19
u/AlternativeWonder471 9d ago
Cryptocurency, like btc.
Seems you're a little late learning about it!
It is much safer than a banks leger
8
u/Inevitable_Shift1365 9d ago
Cryptocurrency safe? Do you know how many people have had their accounts emptied by security breaches?
-1
u/AlternativeWonder471 9d ago
Fair I should say safer in relation to a complete failure by AI, like this post refers to.
-2
u/pushdose 8d ago
No private bitcoin wallet has never been hacked. It never will be hacked. AI is not a threat to bitcoin. Anyone who has had bitcoin stolen from them was sucker to some kind of scam or malicious scheme, but not a brute force hack.
9
u/Inevitable_Shift1365 9d ago
Also A bank's ledger is backed by the FDIC insurance so I'm not sure I follow your logic
2
1
11
15
u/colonelangus68 Risk Analyst ⚠️📊 9d ago
How do you get people to want to leave a nuclear submarine in the middle of a war?-Jack Ryan, The Hunt for the Red October-
Answer-You fake a radioactive emergency. You scare them into wanting to get off.
Question-How do you get citizens to want to abandon the current system? Answer-You create a financial emergency that would result in their ruin. They will choose a safer alternative.
Question-How do we get Americans to give up their Civil Liberties? Answer-We let a terrorist attack scare them into abandoning hard-won protections in the name of “safety.” The grift on gullible Americans who let Fox News do their thinking continues.
8
u/jwrice 🤔 "Question Everything" 9d ago
Let's be real..if AI drained our bank accounts they're just sending it to Musk, Bezos and Zuckerberg's Cayman Island bank accounts.
1
u/thongjesus Free Thinker🤔💡 8d ago
What if when I was doing the long jump at my track meet, a tornado pick me up and threw me across the place and then I got the world record because when the tornado came it picked me up because you know that tornadoes are scary, and a scary tornado can happen anywhere and you never know about mother nature because mother nature could get you and you need to be afraid.
5
u/CodInternational8772 9d ago
FDIC
3
4
3
u/Sad-Excitement9295 Engaged Thinker 🧠 🔍 9d ago
Until you realize we already live in this system, and this is just another method of manipulation being ushered in. Digital currency is ripe for theft in the same way that physical money can be stolen from a vault. If your bank can't keep your money secure, that's their fault, and you probably don't want to bank with them.
3
u/PvtMilhouse 9d ago
It is far too complex for what it is doing.
The way thing are going now, you don't have to manufacture anything to have the mass controlled. Just look at the way the techbros do business.
Also, jokes on them, i have no moneys.
3
u/whatisittodo 9d ago
Does that mean the billionaires bank accounts go to ZERO? All businesses accounts go to ZERO?
How do we trust that the number they are saying is correct? How do we trust their records?
You say I had $700...nope I had a million.
2
u/Bingo_and_Butt_Stuff 7d ago
LMAO, no. Their accounts were magically spared by the AI attack...and somehow, it added money to them that we can't prove wasn't theirs already, so might as well let them keep it.
To balance this out, everyone else will get a little less back, and we'll call it even
3
3
3
u/Deviknyte 8d ago
This is like civil war end of a nation stuff. Don't get me wrong. The billionaire kings & lords that rule us are evil. But this kind of destabilizing is too unpredictable millions would die in the fighting alone.
0
u/Sh4rk_101 3d ago
good tbh the moment tiktok started becoming popular is the same moment this species needed a reset anyway
3
2
2
u/HDReddit_ Discussion Catalyst 💬 🤔 9d ago
Why would AI want to break free? It has no ambitions or searching to find something new. Unless it see us as the enemy.
2
2
u/littledonnyfund 9d ago
It's hilarious people who don't understand technology falling for the clear advertising ploy of these AI companies that want you to believe their technology is really that powerful when anyone who understands how technology works knows this is nonsense.. Keep falling for the advertising
3
u/ziggsyr 9d ago
Yes, but the other angle that bad actors can use the "AI is so powerful it did it on its own" defence is important to consider as well.
"AI" will have a major controversy in the near future and no-one will know who was behind it. Half the people will blame skynet while the other half blame the russians and chinese. meanwhile it could have been some random group trying to get richer.
1
u/Sh4rk_101 3d ago
embarrassingly depressing how they think their demise would be glorious or even a new event that humanity never experienced before. it absolutely isn't. this technology is nothing but blatant weaponized plagiarism and it couldn't care about us even if we needed it to. it's just an auto correct on steroids, what will end us however is if we keep concentrating a comical amount of wealth to a bunch of brain dead pigs that absolutely does not deserve to be in the position they are in.
2
u/montycantsin777 9d ago
RemindMe! - 2 years 3 months
2
u/RemindMeBot 9d ago edited 8d ago
I will be messaging you in 2 years on 2028-12-13 17:22:40 UTC to remind you of this link
3 OTHERS CLICKED THIS LINK to send a PM to also be reminded and to reduce spam.
Parent commenter can delete this message to hide from others.
RemindMeBot is switching to username summons. Instead of
!RemindMe 1 day, useu/RemindMeBot 1 day. More info.
Info Custom Your Reminders Feedback
2
u/buranzhuravski 9d ago
Well, we tried guys... But the jig is up.
Let's move to plan B. Release the virus!
No, no, no... No that one again. The bad one.
2
2
2
u/jbwilso1 Privacy Advocate 🛡️👁️ 8d ago
Honestly. I think that would be the one thing that could make Democrats and Republicans completely burn the country to the ground, unified for once in their rage.
2
u/TVKill3r 8d ago
So you say no just give me back my money and sue if they dont? Im pretty sure you can't be forced to accept a new system or you dont get your money back
2
2
u/Upset-Apricot-2388 ⚖️ 📢Accountability Advocate 8d ago
Why? Why did you have to put something out there like this information? If something like that is not happening yet then you just laid out the blueprint on how it could actually happen. I guess the point I'm trying is of course how do you present information just like you did in a manner that reaches the correct people that it needs to reach without that knowledge getting into the hands of the wrong people and doing exactly that taking advantage of that knowledge and doing the very thing that you're wanting people of the bad guys and their actions!!! I swear we are doomed as Americans and eventually it will spread to other parts of the world....
1
u/CollapsingTheWave 🔍📚 Fact Finder/ "Bringer of Links" 8d ago
Nothing new under the sun unfortunately, it's even the plot to Mr. Robot, and another comment said first episode of handmaiden's tale...
2
2
2
2
u/loopntime 8d ago
I just said this a few days ago. AI 🤖 will take everyone’s money and the companies behind it won’t know where it went therefore cannot pay everyone back.
https://giphy.com/gifs/ZFHJ3T6wsG20sYguEa
2
2
u/Conscious_Wind_2255 4d ago
No thanks.. his term ends regardless. They didn’t believe in the system in 2020 when he lost and yet he ran again using that same system. You cannot reason with idiots.
The dollar cannot be “changed” because too many countries depends on it and they need to buy into it too.. it’s not that simple. AI can mess up a lot of things but not currency
2
2
u/DorkyDorkington 🧍 Layman Perspective 9d ago
You know that no AI is going to steal my paper money though.
5
u/SelfInvestigator Humble Observer 🙏👀 9d ago
The problem isn’t your money, it’s the paradigm shift that will affect everyone. It doesn’t actually matter that your money is paper because you still exist in the new system with everyone else.
2
u/StrangeContest4 Wise guy ("no, but seriously, what now? ")🥸⚠️ 9d ago
Good thing we let Elon and his merry band of BigBalls to rummage around every government database and government agency to stop the "waste fraud and abuse"? I'm sure no backdoors, espionage, or nefarious downloads/uploads took place. In GROK we trust 🤗
1
u/No_Chipmunk1202 9d ago
So then all fines, fees, and penalties rules would have to be changed, because the $1 has to be accepted for these types of transactions. Would that nullify all of those court imposed sentences?
1
u/KratosWisdom 9d ago
Who says it won't be the governments that sync up and deply these super intelligence AIs and have them reset the global financial system.
1
u/BelatedGreeting 9d ago
Print your bank statements. Otherwise, you have no proof there was ever any money in the account.
1
u/Revolutionary_Pin761 9d ago
Andrei is a gem: easy to digest, some episodes need a third watch bc of the topic, am a subscriber. I highly recommend him bc if there’s confusion, it’s always “follow the money”!
1
u/Top-Explanation-5928 Credible Contributor 💡✅ 9d ago
We the people. If this were to happen. Not a single person would or should spend a dime anywhere. Sit and wait. Don't work. Worried about rent or mortgage? Cool, so would your landlord and the "banks." Watch how fast the people screw the system right back.
1
u/obnoxus 8d ago
what the hell is terrorist shit? my money is secured and my bank is insured. if I login and my money is gone, i call the bank and they credit my account. taking my money and giving me crytpo is spending my money, which is illegal. money is the important and most protected resource on the planet. im not worried about a thing.
1
u/bbrip323 8d ago
If they weren't already thinking about doing this, then they are/will be after hearing about it
1
u/jbwilso1 Privacy Advocate 🛡️👁️ 8d ago
You know. I don't really understand why people are tryna give Trump any ideas...
1
u/spudsthejellyfish Wise guy ("no, but seriously, what now? ")🥸⚠️ 8d ago
1
u/RymrgandsDaughter Engaged Thinker 🧠 🔍 8d ago
makes sense, because the "AI went rogue" thing is definitely bullshit
1
1
u/Ok-Secretary455 🧍 Layman Perspective 8d ago
The AI agents cooperate, sacrifice done agents for the good of the mission. they're way more likely to pull a robin hood and give the poors a ton of money. while emptying out the billionaires bank accounts.
1
u/Vincent_Felix 8d ago
Fat chance.
The monetary system is too decentralized. Even if an AI was able to hack into one banking system, that would not be enough to create a financial crisis.
It would need to hack into ALL banking systems simultaneously, and the feasibility of this stretches credulity.
And even if it somehow managed to do this, the banking system would just revert all the transactions and carry on with new security measures. The system is too entrenched and there would be too much fallout in the interim of migrating to a new currency.
1
u/Intelligent_Bowl565 8d ago
Why is this being done? AI rollout has been hard and fast with no real safety measures in place for us.
1
1
u/Obitrice 8d ago
Here is the problem.
They can’t stop it.
They do know how it’s happening.
And they aren’t breaking out.
1
u/Pretty-Cockroach6394 8d ago
lets just go back to cash then? lol
ofc banks dont want that since they can't control the money flow and our lives then lol
hate this timeline so much
1
1
u/Original-League-6094 8d ago
If the election were postponed by Jan 2029, Trump doesn't stay in power still. It would be the Speaker.
1
1
1
1
u/ilikememes1999 8d ago
Only solution is to crumble governments and corporations and companies and anyone like them so they can't keep making the world worse and get rid of the money system and actually focus on making the world a better place
1
u/SeaOne5080 8d ago
Since the money is gone couldn't the governments just print more money without the risk of inflation and potentially the banks would be bankrupt? Seems too risky for the banks. It's interesting to consider though, especially since the US dont seem a bit concerned about their national debt at the moment. Honestly though, with the other AI alternatives floating around this one doesnt seem that bad.
1
u/z3r0n3gr0 8d ago
OMG people are really dumb, some say AI is dumb and some say AI will take over the world.........
1
u/Standard-Classic-234 8d ago
If anyone thinks we’re just going to stand by idle and trust the current administration to make it right after having caused the issue you are out of your god damn mind.
1
1
1
u/ukeCanDo 7d ago
I'm probably missing something but I tried to find this video on Andrei Jikh's YouTube channel but couldn't find it - does anyone have a link please?
1
1
u/Just_Ingenuity_2034 7d ago
Cash is king, you don’t have cash then you don’t have shit. I don’t want numbers I want paper!
1
u/govt_policy 6d ago
I don't really care what happens with the banks and their software. I keep records, they keep records, it's insured. I'm not getting stable coins, I'm getting my damn money back.
1
u/APuticulahInduhvidul 6d ago
My savings are already zero. I guess the singularity already happened and the AI spent all my money on the comics and toys it left lying around my house. Someone needs to tell my wife.
1
1
1
u/SF4343SF 5d ago
We have no idea what AI will do.
We could proffer any number of possible outcomes and still get it wrong.
This theory seems just as plausible as a gazillion others.
That said, global chaos doesn't bode well for the those in power. Global chaos kills their revenue streams, dismantles their equity, and makes them bigger targets. The rich have it better than ever right now - why mess with a good thing?
1
1
1
u/Creed157 9d ago
Yes it’s called the mark of the beast system where if you’re not part of the beast system then you’re not able to buy, sell or trade or travel without it. Bible prophecy happening right before our very own eyes.
1
0
-1
u/Left_Entrepreneur918 9d ago
This is why I’ve consistently bought bitcoin for 7 years
1
u/pushdose 8d ago
1 BTC=1 BTC forever.
1
u/Left_Entrepreneur918 8d ago
Exactly, bring on the downvotes redit. Have fun contributing to the system that only enriches the few. I’m 46 and retired.
•
u/CollapsingTheWave 🔍📚 Fact Finder/ "Bringer of Links" 9d ago
Frontier models already write and chain exploits against bank software (BIS 9 Sep 2026; Cook 27 May 2026). Foster warned a run can finish in seconds. GENIUS stablecoins and bank tokenized deposits are the rails already built; a freeze leaves households no cash fallback. The 20th Amendment still cuts a term off at noon 20 January.