Utopia CEO: I dream of building the next SWIFT for Web3

In an enlightening conversation with the Guru Network team, Utopia CEO Emmanuel Quezada shared his vision for the future of Web3, AI integration, and financial innovation. It explores how Utopia is leveraging Guru Network's technology to bridge traditional finance with decentralized solutions.

Some of the interesting moments:

On Merging AI with Finance

Emmanuel: I've been obsessed with banking and cryptocurrencies. What I realized is that crypto is the new banking. When studying tokens, I first looked at stable coins like those used in casinos-one coin equals one dollar. Then I discovered corporate currencies, which are essentially points and rewards systems.

Guru Network: This is where our partnership makes perfect sense. We're providing the infrastructure that allows companies like Utopia to focus on their core business while seamlessly integrating with Web3 functionality.

The Utopia Vision

Emmanuel: Our economic model is straightforward-you do a transaction, make money with our coin, and spend our coin in our ecosystem. Guru Network connects us to the transaction layer, so whatever transactions happen on your ecosystem, people can earn our coins and spend them in the rewards catalog.

Guru Network: We're becoming the platform that handles all the complex Web3 infrastructure so you don't have to worry about that part. You can focus on your core business while we handle tokens, trading, swaps, and all the technical aspects.

The Future of AI Agents in Finance

Emmanuel: What I'm hearing in the industry is that within one year, we'll have AI agents that connect you instantly through voice with staking pools, swaps, and payment management. This technology is advancing rapidly, and Guru is ahead of the game-though it's only months ahead, so we need to keep building.

Guru Network: We're working toward providing agents that don't just follow algorithms but can analyze modern news, social trends, and make reasoned decisions. Imagine saying, "I want to derisk my portfolio" without specifying how-the agent handles everything based on your goals.

On Pump and Dump Concerns

Emmanuel: People with AI are the first ones to take profit, guaranteed. If someone is dumping, it's the AI from the dumpers. The real question will be: what happens when everyone has AI and everyone has the same AI? Will projects skyrocket or never succeed because the probabilities will lean toward risk?

Guru Network: If AI becomes super smart, it will think long-term and make longer-term bets. This could actually reduce pump and dumps because AI isn't lazy-it has time and won't dump money straight away as that's not proper risk assessment.

On Products That Market Needs

Emmanuel: Short-term, I'd build an AI agent that does risk assessment or high-frequency trading, focusing on Ethereum since it's pumping and the risk would be lower. Long-term, I dream of building the next SWIFT for Web3-fully compliant, where everyone can do transactions unified across the world.

Guru Network: That's exactly what our framework supports. The apps coming out of our framework, especially the portfolio management section, should feel like a flawless banking app. We've built on a good foundation for this.

Final Thoughts

Emmanuel: I cannot tell you how grateful I am for you guys providing all this information. I'm grateful that destiny brought these two companies together-you guys are the other brain that we need.

Guru Network: This is what it's about-building strong relationships and amazing products because we have the smartest brains in this industry. When we unite and combine knowledge and expertise, we can achieve something fantastic.

The partnership between Utopia and Guru Network represents a significant step toward integrating AI capabilities with Web3 infrastructure, potentially revolutionizing how we interact with financial systems in the digital age.

Full conversation:

It happened during AMA celebrating Guru Application Wizard and Staking Program launch, full AMA here: