@rphgrc.eth

10 predictions for... 2040. In the past two weeks, you've probably come across dozens of posts about predictions for 2026. However, 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 (as pre-seed investors) that making annual predictions makes sense. Hence, here are our 10 PREDICTIONS that we see compounding quietly until 2040. 1. Mainstream 'super wallets' replace checking accounts. By 2040, most European consumers will primarily interact with money through smart wallets that aggregate bank, investment, and on-chain assets, with embedded portfolio management and tax intelligence, making traditional retail bank interfaces a secondary layer. 2. Invisible crypto infrastructure in 80% of consumer finance apps. The majority of mass-market finance apps (payments, savings, remittances, investing) will use tokenized or ledger-based infrastructure under the hood, while abstracting away keys, chains, and protocols from users. “Crypto” will be a backend feature, not a selling point. 3. to 10. Read all of our 10 prediction for 2040 on our newsletter VentureNotes.co, and you can listen to them too as podcasts on Spotify.RunwaySeries.co and Apple.RunwaySeries.co

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