Vitalik and Balaji's Top Ten Predictions: Encryption, AI, and the Future Order

Original author: Marine, MC² Finance Founder

Original Compilation: Vernacular Blockchain

1. Balaji claims that Ethereum is the center-left of cryptocurrency.

Vitalik is dedicated to building public goods. He pursues programmable equality, decentralized institutions, and fair coordination.

Balaji belongs to the center-right. He advocates for exit and autonomy. Ethereum has become a home for the “technocratic left.”

2. DeFi is becoming safer, but it is not completely safe yet.

• Vitalik: “The risks are approaching traditional finance.”
• Balaji: “You risk a 100% loss to gain a 5% profit.” Protocols can only be truly secure after experiencing a crisis, not just through audits. Time > total loss limit.

3. The US dollar is not as safe as you think.

“Only invest what you can afford to lose in dollars.” This sounds like a meme. But for billions in Argentina, Nigeria, and Lebanon, this is already a reality. Stablecoins are now infrastructure ( rather than an experiment ).

4. The definition of DeFi is changing

Balaji: “It is the successor after the system ends.” Not an upgrade, but a replacement. Always online, borderless, composable. DeFi is not just a better pipeline. It is a different physics of value. ( receives a warm round of applause for this ).

5. Cryptocurrencies will not undermine the US dollar, but they will expose it.

Vitalik: 99% of stablecoins are backed by the US dollar. But this will reinforce the dominance of the dollar until it is no longer so. Once fiat currencies are launched, they will lose their geographical monopoly. Fiat currencies will die out slowly like newspapers (, and then suddenly all at once ).

6. The prompt will continue to exist.

Balaji: “The hint is to program in English.” This is not a solution, but a skill. Artificial intelligence will not replace humans, but it will amplify the sharpest minds. Clarity = leverage.

7. AGI? Not God, just a founder.

• Vitalik: “When AGI establishes a profitable company, it is real.” This is measurable. Practical.
• Balaji agrees: Artificial intelligence is not about seeking goals, but about pattern matching. The world still operates based on human intention.

8、DeSci = DeFi in the medical field

Today’s healthcare system profits from diseases. DeSci disrupts this. Truth above all. Peer review. Science is code, not pharmaceutical marketing. Balaji’s bet: DeSci is the true alternative to institutional decay.

9. Ethereum needs a North Star. DAU? Price? TVL?

• Vitalik: As long as people use it, that’s enough.
• Balaji: DeFi is the post-fiat matrix. Once value is online, everything can be traded. No bank liquidity. A market without borders. ( asked many questions, I can’t disclose xD)

10. The system will not be reformed; it will be rebuilt.

Balaji believes that the internet and DC are opposing forces. Vitalik thinks that cryptocurrency is a system with fairer rules. Both agree: the old world is collapsing. The next world will not be built on DC. It will be coded. On-chain.

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