In 2024, AI won two Nobel prizes: one in physics for Jeff Hinton's work on deep networks and another in chemistry for Demis Hassabis and his team's work on AlphaFold and protein folding, showcasing how AI is accelerating scientific discoveries.

Next year, crypto is predicted to go mainstream, with the expectation that everyone will have purchased something using stable coins, such as a cup of coffee or a book.

Payment networks function as marketplaces, and while they are challenging to establish due to the chicken-and-egg problem, once solved, they can create very sticky businesses, as seen with successful companies like Airbnb and DoorDash.

The emergence of stable coins as a valuable use case in crypto has led to hundreds of millions of people holding them in their wallets, which will facilitate transactions once merchants start accepting them.

The need for stable coins in finance is underscored by recent financial disasters, highlighting the importance of tracking user funds effectively.

If Dogecoin's initiative to reduce government waste succeeds, it could lead to lower interest rates and stimulate economic growth, as interest rates are closely tied to government spending.

Lowering interest rates could potentially lead to inflation; however, technology, particularly AI, is deflationary and may allow for interest rate reductions without triggering significant inflation.

In 2025, advancements in AI will enable real-time interactions in virtual meetings, creating a more natural experience with AI avatars that feel less uncanny.