A speculative report from Citrini Research outlines a potential future economic crisis driven by AI-induced displacement of white-collar jobs. According to NS3.AI, this shift could lead to recessionary pressures and disrupt consumer spending patterns. The report emphasizes the role of tokenization and AI agents using low-fee blockchains, such as Solana and Ethereum Layer 2s, as crucial payment channels, suggesting these assets may benefit significantly. Additionally, the study highlights emerging payment innovations that could impact XRP and predicts widespread disruption among traditional payment intermediaries.