Matthieu Stefani - Génération Do It Yourself

“Les traders ont 18 mois avant d'être remplacés par l'IA”

🇫🇷 : Une version audio française de l'épisode, est disponible sur toutes les plateformes de podcast. Retrouvez-la ici : https://www.gdiy.fr/podcast/yoni-assia-vf/ Aussi, les sous-titres en français sont disponibles. Activez d'abord les sous-titres automatiques, puis rendez-vous dans les paramètres pour activer la traduction. 🇬🇧 : #542 - VO - Yoni Assia - eToro - “AI Will Replace Most Traders in 18 Months” On January 28th 2026, he launched his first AI agent. By April, Yoni Assia had 30 active agents running 24/7 on WhatsApp, 45 GitHub projects, and a dev team that couldn't review prototypes faster than non-developers were shipping them. In addition, Yoni runs eToro, a 1,500-person company he co-founded in 2007 with his brother and a friend. The mission hasn't changed since day one: democratize access to financial markets. It runs in the family. His grandfather opened a Swiss bank and his father built Magic Software, one of the first low-code development platforms. Obsessed with financial markets since he was 13, Yoni started trading early. He lost 90% of his portfolio in the dot-com crash, and came back obsessed with building the infrastructure that would make finance work differently. His first company put video cameras on roller coasters. It was sold to Kodak. Then came eToro. In 2012, he wrote one of the first papers on tokenizing real-world assets using Bitcoin. He posted it on BitcoinTalk and a teenager named Vitalik Buterin answered. Yoni paid him to co-write the paper, brought him to the eToro offices, and watched him leave to build Ethereum. Today, eToro manages $20 billion in assets across 50 million registered users, generating $870 million in revenue and $320 million in profit. Then came January 28th. Yoni launched his first OpenClaw agent. He hasen't slept properly since. He dreams about them, wakes up at 3am, opens WhatsApp, and finds his agents have been talking to each other all night, building, testing, shipping without him. In this episode, Yoni shares everything he's learned from building eToro to the last months, running a company with AI agents at its core: - Why non-developers at eToro are shipping faster than the dev team can review - How to structure agents so they don't hallucinate, forget, or go rogue - The Security Claw, the Memory Layer, and why replication on the cloud changes everything - How eToro just launched an Agent Portfolio so your OpenClaw can trade directly in your account - Why will most of the world's money be managed by agents within 12 to 24 months - The biggest mistakes people make when they start with AI agents and how to avoid them The most experienced builder in the room isn't a developer. It’s the founder of a fintech who gave his quant team a thousand PhDs and told them to beat Renaissance Technologies. ▶️ Find everything we talked about on the episode's show notes : https://www.gdiy.fr/podcast/yoni-assia-vo/ Un grand merci à Qonto, le pionnier de la facturation électronique, de soutenir Génération Di It Yourself depuis plus de 5 ans. Code DOIT50 pour profitez de 50€ de remise sur : https://qonto.com/facturation Collaboration commerciale. The episodes are released on YouTube but also on audio platforms, so feel free to subscribe to Generation Do It Yourself on : - Spotify : https://open.spotify.com/show/6jCObFeQTf0VARXdMv9iE4?si=737e8c89a9864212 - Apple Podcast : https://podcasts.apple.com/fr/podcast/g%C3%A9n%C3%A9ration-do-it-yourself/id1209142994 - Deezer : https://www.deezer.com/fr/show/53644 - YouTube Music : https://music.youtube.com/playlist?list=PLWT7hkKacBMKEQlMyOMt6qSzKHTGguP9I TIMELINE : 00:00:00 - The agent that built its own team 00:10:16 - The startup inside every roller coaster in the world 00:18:01 - Was Vitalik really a genius? 00:30:00 - Non-devs building what the dev team can't review fast enough 00:38:20 - How the entire banking industry work 00:52:05 - Why banks don't want you to understand capital markets 00:59:45 - The one feature no bank will ever build 01:17:19 - The fintech competing with banks that don't want to compete 01:28:31 - eToro business model explained in 5 lines 01:36:05 - When every trader has an agent, who wins? 01:46:34 - Managing a 1500-person company with WhatsApp 01:57:46 - The biggest mistake with AI Agent THE TEAM : Host: Matthieu Stefani Editorial Director & Producer: Clémence Lepic Executive Producer: Matéo Dos Santos Video Editor: Axel Thoreux In charge of prod : Clément Socchi Executive assistant : Manon Labrousse Videomaker : Matthieu Beauvois SOCIAL MEDIA : ▶️ TikTok : https://www.tiktok.com/@mattintouch ▶️ Instagram : https://www.instagram.com/gdiypodcast ▶️ Twitter : https://twitter.com/gdiypodcast ▶️ Website : https://www.gdiy.fr ▶️ Newsletter : https://www.gdiy.fr/mail