# Apollo 首席经济学家：AI Agent 自动搬家存款可能抽走银行廉价资金

- 来源：Rohan Paul (@rohanpaul_ai)
- 发布时间：2026-09-28 06:25
- AIHOT 分数：51
- AIHOT 链接：https://aihot.news/items/cmukejj2b1ommro9h1bly2xt2
- 原文链接：https://x.com/rohanpaul_ai/status/2104336611224039807

## AI 摘要

Apollo 首席经济学家 Torsten Slok 认为，Muse 等 agentic AI 助手可能很快自动把家庭现金搬进年利率 3.3% 至 5.0% 的账户，而不是留在平均仅 0.1% 的活期账户。

## 正文

Banks have always profited from customers doing nothing.

At 0.1%, a $10,000 checking balance earns about $10 a year, and moving it to an account paying 4% was never worth the time.
But for an agent it's a small compute job

what if deposit rates start behaving like airfares. with AI agents comparing accounts continuously, a bank that bumps its rate for a day can pull in a wave of cash.

This is from Apollo Chief Economist Torsten Slok:
"Muse and similar agentic AI assistants could soon sweep household cash automatically into accounts paying 3.3% to 5.0%, instead of the 0.1% national average on checking accounts."

### 引用推文

> Yano 🟪：Fascinating. Chief Economist at Apollo: agents could cause a bank run by sweeping household cash into accounts paying 3-5% instead of the 0.1% national average,...