Given the long build, GTM, penetration cycles and feedback loops for pre-seed investors and the teams they back, we do not believe at Olive Capital that making annual predictions makes a lot of sense.

Hence, here are our 10 PREDICTIONS that we believe will likely unfold by 2040.

By 2040, 15 years from now, we at Olive Capital expect "everyday finance" to be rebuilt on invisible web3 rails, "work and creativity" to be reorganized around agent tools, and "privacy-selective disclosure" to be a default expectation in consumer products. We propose that year after year, we will be grading the progress made towards these predictions, and even if we keep the option to revisit any of these predictions based on fundamental dynamics shifts we might observe, these 10 foreseen shifts are the ones we have the highest conviction on.

What are our 10 predictions for 2040?

1. Mainstream “super wallets” replace checking accounts.

2. Invisible crypto infrastructure in 80% of consumer finance apps.

3. Consumer-grade portfolio management powered by web3 rails becomes default.

4. Tax and reporting engines become real-time.

5. Personal “work agents” handle 30–50% of white-collar tasks.

6. Agent-native platforms become core B2B infrastructure.

7. Creators and solo entrepreneurs run “micro-agency stacks”.

8. Selective disclosure becomes a regulatory and UX norm.

9. User-operated identity and data vaults go mainstream.

10. Consumer apps win by “privacy-first differentiation”.

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Onwards to 2040, and feel free to contact us at Olive Capital if you want to discuss our thesis and share your views.

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The podcasts are authored, edited and produced by Raphael Grieco (raphael-grieco.com | olivecapital.vc).

2040: 10 predictions about the "everyday finance", the agent economy, privacy and confidentiality.

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