Ticker: $BNKR
Market cap: $27 million
Contract address: 0x22aF33FE49fD1Fa80c7149773dDe5890D3c76F3b
What is Bankr?
Bankr is an AI crypto trading bot that executes blockchain transactions on behalf of humans through natural language. Bankr describes itself as “Your Friendly AI-Powered Crypto Companion. Buy, sell, swap, place limit orders, and manage your wallet effortlessly—just by sending a message.”
The project launched in December 2024 on Warpcast (a text-based social media app), and expanded to X in early January 2025.
There are two core aspects to the Bankr product:
Today, you can tag “bankr” on social media to execute crypto transactions instantly. This could be a simple buy / sell trade, or a more complex set of trades such as “Bankr, please sell 5% of every token in my portfolio, in exchange for USDC.”
In the future, Bankr will also have a terminal interface, enabling users to execute transactions and develop trading strategies privately. These transactions could potentially be more sophisticated, such as “Bankr, deposit $50 worth of $ETH into the Aave open source protocol as collateral for a USDC loan with an initial Loan-to-Value (LTV) ratio of 50%. Use the borrowed USDC to purchase $NATIVE. Continuously monitor the LTV, and if it rises to 80%, deposit additional $ETH as collateral to restore the LTV to 50%.”
Bankr represents a new paradigm in crypto trading. Rather than interacting with a digital wallet, such as MetaMask or Phantom, and manually bridging assets between networks, Bankr enables seamless transactions with natural language directly in the social feed or a private terminal. Soon, manually interacting with crypto wallets, particularly for small transactions, will seem very slow and antiquated.
Who created Bankr?
The core dev building Bankr is Deployer. He is primarily active on Warpcast, where he has built a dedicated following around the Ham ecosystem — a decentralized platform for tipping real money on social media, in the form of emojis.
Interestingly, the Bankr token, $BNKR, was created by the Bankr AI bot itself, using Clanker, which is another friendly AI that specializes in token creation on Warpcast.
I’ve personally explored Bankr’s natural language trading and Ham’s social tipping features on Warpcast. Both systems operate flawlessly, and Bankr’s frequent updates on Warpcast show it’s now processing transactions every few minutes. The rapid growth of Bankr on Warpcast is a clear testament to Deployer’s exceptional execution, and highlights early signs of product-market fit.

What is the long-term vision?
Bankr’s long-term vision is to simplify decentralized finance by creating a seamless, user-friendly ecosystem powered by AI. No more “clunky exchanges, private keys, and fragmented systems.”
This vision isn’t just about convenience; it’s about empowerment. By decentralizing control and leveraging AI, Bankr envisions a future where financial services are transparent, and equitable for everyone.
For more depth, check out Bankr’s manifesto here.
What is the valuation framework?
In terms of a valuation framework for Bankr, let’s focus on spot trading (i.e. immediate settlement, no leverage), which is the core of the Bankr product.
Global daily crypto spot trading volume is ~$40 billion, which is ~$14.6 trillion annualized.
Assume 5% of spot trading moves to AI enabled natural language transactions within 3 years. This represents ~$730 billion in annual transaction volume.
Assume Bankr remains a market leader with 5% market share of AI enabled natural language transactions within 3 years. In this scenario, ~$36.5 billion in annual transaction volume is facilitated by Bankr.
Assume Bankr charges a 0.5% fee for transactions it facilitates. In this scenario, Bankr would generate ~$182.5 million in annual revenue.1
(calc: 36,500,000,000 * 0.005 = 182,500,000).
To arrive at a future valuation, assume a 10x revenue multiple, which is reasonable for fast growing technology companies and protocols. Therefore, we get a future valuation of ~$1.825 billion.
To arrive at a present valuation, let’s apply a 20% annual discount rate given that there is significant execution risk for Bankr. This brings us to a present valuation of ~$1.06 billion.
(calc: PV = (1,825,000,000 / (1.2^3) = 1,056,134,259).
Additionally, the Bankr manifesto highlights that a portion of the transaction fees collected by Bankr will be used to purchase $BNKR, which is then held in the Bankr treasury. This mechanism has the potential to create a powerful flywheel effect: as transaction volume increases, Bankr’s continuous acquisition of its own token could drive a supply squeeze, supporting the growth of $BNKR’s market capitalisation. Indeed, on January 4th, Bankr purchased $50,000 USD worth of $BNKR for its treasury, demonstrating this strategy in action. This dynamic is akin to a share buyback program, whereby reducing outstanding shares increases value for shareholders.
Why will Bankr succeed?
Bankr offers a 100x better trading experience than traditional crypto wallets. It is more intuitive and significantly faster to use natural language to execute trades, rather than navigating bridging and swapping of assets manually with wallets.
The Bankr social media product is naturally viral. Since launch on X a few days ago, there is already significant community interest (3,500 X followers for Bankr in the first week). Trades are executed in social feeds, which are visible to all and no other trading bot has similar functionality yet, to the best of my knowledge.
Influential figures within crypto are already engaging with Bankr on X, including Jesse Pollak (Base Protocol Co-founder and Coinbase Engineering VP).
Deployer (the dev building Bankr) is highly prolific in shipping code. He has moved extremely quickly in deploying a truly unique product on both Warpcast and X in less than two months. He has also built a very strong community around his own Ham blockchain over the previous year (45k followers in Ham LP Warpcast channel).
Why might Bankr fail?
Bankr could go rogue or experience a technical glitch. As a result, Bankr could begin spending people’s crypto on the incorrect coins. This would erode trust in the system.
It’s possible that the majority of people may be unwilling to trust an AI to handle their personal financial transactions.
Crypto AI trading companions may become commoditized, with major crypto exchanges building a natural language interface. As a result, it’s possible that Bankr’s market share ultimately becomes much smaller than 5%.
The above risks are far outweighed by the scope of the opportunity. I plan to continue building a sizeable position in Bankr over the coming years.