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What Is a Decentralized Exchange and How Does It Work?

November 10, 2020
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Permission
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While decentralized exchanges (DEXs) only played a minor role in the crypto industry a year ago, their volumes exponentially increased over the past few months.

From January’s $280 million, the monthly volume of decentralized exchanges surged to nearly $22 billion in September, representing a Year to Date (YTD) increase of over 7,700%.

In addition to occasionally surpassing leading centralized exchanges, DEXs are continuously growing their market share. According to a recent report, the spot trading volumes’ ratio on DEXs compared to centralized exchanges reached 6.06% in August after hitting 3.95% in July.

Based on the above data, DEXs can soon become worthy competitors to centralized exchanges that have been ruling the crypto trading space for a very long time.

But what is the reason behind the rise of decentralized exchanges?

We will find out in this article along with all the essentials about DEXs.

What Is a Decentralized Exchange (DEX)?

A decentralized exchange or DEX is a peer-to-peer (P2P) cryptocurrency service that directly connects buyers with sellers.

As the connection between the parties is direct, there are no middlemen involved in the process. Due to the lack of third parties, DEXs often feature lower fees than centralized crypto exchanges.

One of the most important features of decentralized exchanges is that they take no custody of customer funds.

Contrary to their centralized counterparts, you are in control of your private keys on DEXs. This means that, upon a successful hacker attack against the exchange, malicious parties won’t be able to steal your digital assets via the data they acquired from the service provider’s servers (as your wallet credentials are not stored there).

Also, while centralized exchanges require their users to create an account, submit Know Your Customer (KYC) and Anti Money-Laundering (AML) documents, most DEXs allow their customers to remain (semi-) anonymous while trading cryptocurrency.

Despite what their name suggests, aspects of the DEX solution are only partly decentralized. Such services often include centralized elements, such as order books, central servers to host the platform, and mandatory KYC checks.

Although, some DEXs maintain a high decentralization level with blockchain-based trading services supported by cryptocurrency miners. And, as web-based services could come with increased levels of centralization, some exchange solutions create their own decentralized applications (DApps) for trading.

Still, no matter how decentralized they are, a DEX never controls the users’ private keys or funds.

How Do Decentralized Exchanges Work?

How decentralized exchanges work depends on the solution you use for cryptocurrency trading.

Many DEXs do not support fiat currencies, allowing only crypto-to-crypto trades on their platforms. Due to the lack of national currencies, most decentralized exchanges don’t have to comply with regulations, which allows the solutions to offer services without KYC checks.

Smart Contracts and Trading Accounts

On a decentralized exchange, trading is either fully automated or semi-automated via smart contracts.

Simply put, a smart contract is a computer code that executes a digital agreement between two or more parties automatically if its conditions are fulfilled.

To start trading, users have to either connect their (external) wallets or create a new account (verification is needed for regulated services) to deposit cryptocurrency.

Market Makers and Takers

Most trading platforms include market makers and market takers.

While makers create buy or sell orders that aren’t fulfilled immediately (e.g., they only sell BTC when the Bitcoin price reaches $20,000), takers execute their orders instantly (e.g., they sell their BTC at the current price). Market makers create liquidity, and their orders are filled by takers.

When a market maker creates a new order for a trading pair on a DEX, a cryptographic hash is generated, which is signed with the market maker’s private key.

The order is either sent to the blockchain or off the chain with the maker’s signature.

When a market taker trades against the maker’s order, both the corresponding order data and the signature is sent to a smart contract.

Upon verifying that the signature originates from the maker, the smart contract ensures that the order is not filled or expired.

If all conditions are met, the smart contract automatically exchanges the funds, takes the trading fees, and transfers the funds to both parties’ wallets.

DEX Withdrawals and Atomic Swaps

After a successful trade, users can withdraw their exchanged funds to external wallets outside the DEX’s platform.

Alternatively, some decentralized exchange solutions (especially in the DeFi space) allow crypto users to utilize their own wallets for trading, without requiring them to deposit or withdraw their funds.

These platforms utilize atomic swaps – an instant cryptocurrency trade without third-party involvement – allowing users to connect their own (external) wallets to the service to create and execute trade orders.

How Did Decentralized Exchanges Become So Popular?

Earlier in this article, we mentioned that decentralized exchanges did not play a significant role in the cryptocurrency industry until the past few months.

But what’s behind the popularity of decentralized exchange services?

Reason 1: Major Issues With Centralized Exchanges

First, centralized cryptocurrency exchanges have earned a rather bad reputation while dominating the digital asset trading industry.

As they control the private keys of their customers, centralized exchanges hold user funds in their custody. Because of this reason, upon a successful attack against their services, hackers can steal the traders’ funds by obtaining their private keys.

As a result, there have been many high-profile cryptocurrency exchange hacks with devastating consequences since the industry’s inception. For example, the infamous $460 million Mt.Gox hack shook the crypto industry so much that the BTC price decreased by 45% between February 1 and March 31, 2014.

And attacks are not the only way centralized cryptocurrency exchanges have lost their customers’ funds in the past. In December 2019, the Canadian digital asset exchange, QuadrigaCX, allegedly lost $190 million from cold wallets that only the company’s deceased CEO had access to.

Whether the business’ claims were valid, we don’t know. However, centralized exchanges have long struggled with fraud, wash-trading, weak security, improper customer fund management, and a lack of transparency.

While many centralized providers have made major changes to their services to feature a regulated solution with moderate to high levels of transparency and decent security, their past mistakes have led to the rise of decentralized exchanges.

Despite that DEXs are not hack-proof – as attackers can still exploit flaws in smart contracts – their decentralized infrastructure eliminates single points of failure as well as limits the risks of user funds loss and fraud.

In addition to a higher security level, decentralized exchanges also feature increased privacy, transparency, and interoperability with other blockchain-based applications.

Reason 2: The DeFi Boom

The second reason why DEXs have become so popular is due to the rise of the decentralized finance (DeFi) space.

DeFi refers to a movement within the cryptocurrency space where developers build blockchain-based, decentralized alternatives to centralized financial solutions.

From lending and borrowing to insurance and tokenized assets, DeFi solutions eliminate the middlemen and bureaucracy to make finance more accessible, efficient, and democratic for users.

Based on recent stats, the DeFi industry has grown exponentially in the past few months.

Compared to January 1’s $676 million, the total value locked in decentralized finance applications is standing at $10.91 billion at the time of writing this article, representing a YTD surge of over 1,500%.

With DeFi’s growth, there’s a higher demand for DEXs among crypto users, which many creators have integrated with their decentralized finance applications to expand the ecosystem.

Furthermore, next-generation DEXs like UniSwap and Kyber Network allow cryptocurrency enthusiasts to exchange their coins in a few seconds without leaving their wallets while preserving full control over their funds.

What Are the Pros and Cons of Decentralized Exchange Platforms?

Now that you know the basics of decentralized exchanges, let’s see what the pros and cons of DEXs are:ProsConsDue to the lack of custody, users are in full control over their fundsIncreased control comes with greater responsibility since DEXs are not able to restore access to users who have lost or forgot their credentialsUsers possess their private keys, which eliminates the risk of a single point of failureWhile DEXs feature increased security, flaws in smart contracts can still result in loss of user fundsIncreased security and transparencyDEXs often feature lower liquidity than centralized exchanges and have to use DeFi pools to improve their liquidityMost decentralized exchanges are blockchain-based and automate trades via smart contractsA part of DEXs use centralized components for trading and often move transactions off the chainNo need to create an account or submit KYC/AML documents (in most cases)Some decentralized exchange solutions request KYC/AML documents from users as DEXs face increased risks of regulatory crackdownsNo middlemen involved in the processIntegration with other DeFi applications and services

Where to Trade Crypto: The Top 5 Decentralized Exchanges

Decentralized exchanges are on the rise, and they provide several benefits to crypto enthusiasts.

But which DEX should you use for trading?

We will find out in this section where we listed the top 5 decentralized exchanges currently on the cryptocurrency market!

1. ViteX

Launched in 2019, ViteX is a relatively new decentralized exchange on the cryptocurrency market.

However, despite being a new player, ViteX is growing at a fast rate, ranking in the 110th place among the top digital asset exchanges and featuring an over $700,000 24-hour trading volume.

According to its creators, ViteX is a truly decentralized exchange that uses its own high-performance blockchain for order matching, asset management, and cryptocurrency trading.

With every process running and published on the project’s public chain, ViteX seeks to provide a high level of transparency to its users.

ViteX features its own native token, VX, mined exclusively by the decentralized exchange’s community. Users can mine VX in multiple ways, such as staking, trading, referring, and market-making, to earn rewards on the platform.

What’s interesting about ViteX is that the decentralized exchange distributes all trading fees to the community based on the amount of VX each member holds.

ViteX also features a unique role in the community called the operator. Operators can run their own mini decentralized exchanges (called zones) on top of ViteX to set up new trading pairs and earn transaction fees from users who trade in their zones.

For every transaction on the platform, ViteX charges a base fee of 0.2%. However, if a user trades in an operator’s zone, he could pay an up to 0.2% additional fee (0.4% in total with the base fee).

Permission, the next-generation blockchain-based advertising platform, has listed its native ASK coin on the decentralized exchange.

2. Uniswap

Uniswap is an Ethereum-based decentralized liquidity protocol that allows users to swap ERC-20 tokens via its DEX solution.

What’s so special about Uniswap is that it doesn’t require buyers and sellers to create liquidity, eliminating a significant issue decentralized exchanges face.

As part of an open-source solution, Uniswap doesn’t rely on order books or other centralized components to facilitate cryptocurrency trading.

Instead, Uniswap utilizes a model called “Constant Product Market Maker” and operates through smart contracts to create liquidity pools. Users trade against these pools, which are supported by liquidity providers who deposit their tokens in the pool.

In exchange for maintaining liquidity pools with their coins, providers receive a share of trading fees based on the proportion of their tokens in the pool.

As long as there is a liquidity pool for the coin, any ERC-20 token can be listed on Uniswap without permission from the service providers.

To trade on Uniswap, crypto users only need an Ethereum wallet they can connect to the decentralized exchange.

3. Kyber Network

Like Uniswap, Kyber Network is another “DeFi unicorn” that features a decentralized liquidity protocol and allows crypto users to exchange coins instantly via smart contracts.

For instant cryptocurrency swaps, Kyber also utilizes liquidity pools. However, unlike Uniswap, which focuses mainly on end-users, Kyber Network seeks to cater to various participants of the cryptocurrency market.

A typical participant is a cryptocurrency project with a native platform token.

Suppose a user doesn’t hold that specific coin. In that case, he has to register an account at a cryptocurrency exchange, transfer his digital assets there to convert them, and then withdraw the project’s token to his wallet.

It’s a long, tedious process that can discourage some users from utilizing a specific crypto service.

Kyber solves this issue by allowing crypto services to integrate its protocol into their platforms, allowing customers to instantly exchange their coins to the project’s native token.

In addition to supplying projects with liquidity, crypto projects can use Kyber to accept transactions in numerous tokens, but receive the payment in their preferred coin to their wallets.

While Kyber Network supports instant swaps for several tokens, the DeFi solution aggregates liquidity from multiple sources to provide the best rates for traders.

4. Bisq

Bisq is an open-source, decentralized cryptocurrency exchange that features its own DApps (iOS, Android, and desktop) for trading.

Bisq is governed via a decentralized autonomous organization (DAO). This means that the DEX is not maintained by a business but the community itself to achieve a high decentralization level.

An exciting feature of Bisq is that it is built on top of Tor, a highly anonymous network, to make the decentralized exchange truly censorship-resistant and private.

Bisq provides a high level of security and privacy to its users by offering a non-custodial crypto exchange service as well as featuring security deposits, 2-of-2 multisig escrow, and a decentralized human mediation and arbitration system to prevent fraud.

Despite the lack of account creation and KYC/AML checks, Bisq allows users to exchange both crypto and fiat currencies privately.

For this, the DEX uses a similar process as the peer-to-peer exchange Localbitcoins, where traders have to choose between other users’ offers (instead of automatic order matching).

However, while Localbitcoins is a centralized exchange, Bisq operates on a fully decentralized nature, without any central servers to store user data.

5. ShapeShift.io

For users who seek a non-custodial cryptocurrency exchange with fast coin conversions and an easy-to-use interface, ShapeShift is a good choice.

You select the coin you want to purchase, the digital asset to use for the transaction, and the amount of cryptocurrency to buy. ShapeShift then provides you with an address to deposit your crypto.

After you have successfully deposited, the service will automatically convert your coins and send them to your wallet.

While ShapeShift is considered a DEX, it features a lower level of decentralization than the previous services we listed.

Because of this reason, you have to create an account with the service to exchange cryptocurrency and submit KYC documents to verify your identity. As a result, ShapeShift transactions are not as private as with the other DEXs.

Also, ShapeShift holds user data on centralized servers and uses multiple off-chain processes for trading cryptocurrency.

On the other hand, you can take advantage of the DEX’s 24/7 customer support as well as rapid, user-friendly service.

For each transaction, ShapeShift charges a 0.50% spread as well as a miner’s fee. However, you can eliminate most fees if you hold the company’s native FOX token in your wallet.

How to Trade on a Decentralized Exchange?

By now, you know how a DEX works and what the best services are. The next step here is to explore how to trade on a decentralized exchange.

Below, you can find a short but comprehensive step-by-step guide for purchasing on ViteX, one of the top decentralized exchanges on the crypto market.

Step 1: Download the Vite App

To get started with ViteX, you have to create an account with the service (no need to submit KYC documents) or connect a compatible wallet (e.g., Ledger).

While ViteX features both a web platform and native apps (iOS, Android, Windows, Mac), you have to download and install the application on your device to create an account.

To do that, use the following link or click the “Log in” button near the top right corner of the trading platform, and head to “Create an Account.”

On the next page, you can find the QR codes (for mobile) or links (for desktop) to download and install the Vite App.

Step 2: Create a ViteX Account

Once you are done with the installation, it’s time to open the application.

Here, you need to click “Log in” and the “Create an Account” button again. On the next screen, fill out the form with your login credentials (make sure to choose a strong password).

After you are ready, the service will generate you a mnemonic seed, which you can use to restore your ViteX wallet.

Important: Write down (either physically on a paper or in a doc file on your computer) your seed and store it in a safe place you have exclusive access to. Don’t share it with anyone as it could compromise your security and may result in a loss of funds.

When you are ready with your seed phrase backup, click the “Submit” button to proceed.

Step 3: Deposit Funds Into Your Wallet

When your ViteX account is ready, it’s time to deposit funds into your exchange wallet.

To do that, click the wallet icon near the top left corner of the page, select BTC, and click the blue “Deposit” button next to it.

After you click “Confirm and Proceed” on the pop-up, ViteX will display your wallet address. Scan the QR code (for mobile) or copy the address and paste it into the wallet you will use for sending funds.

It’s essential to double-check (or even triple-check) your wallet address to ensure that you are transferring your coins to the correct place.

When you are ready, initiate the transfer, and wait for miners to process your transaction (ViteX BTC deposits need two confirmations). Unless the network is congested, this shouldn’t take longer than an hour or so.

Step 4: Trade Crypto on ViteX

When your Bitcoin has arrived in your ViteX wallet, the next step is to click the trading icon on the top left side of the page and select your preferred coin pair (e.g., ETH/BTC) under the “Exchange” menu.

On the next screen, you will see a chart as well as a form to submit your order to buy the cryptocurrency (ETH in our example) with your BTC.

Specify the price you are willing to pay for each token as well as the total amount of coins to purchase.

When you are ready, click the green “Buy ETH” button to submit your order. ViteX will then match you with a seller, execute your trade, and deposit your newly purchased tokens into your wallet.

Decentralized Exchanges: The Solution to Trade Crypto Without Middlemen

With the rise of the DeFi industry, decentralized exchanges have been increasingly popular in the cryptocurrency space.

Due to their decentralized nature, DEXs provide increased security, transparency, and privacy to users who are looking to find a solution to the common problems of centralized exchanges.

From ViteX to Bisq, it’s not hard to find a decent decentralized exchange solution on today’s crypto market.

FAQ

Is Coinbase a decentralized exchange?

No, Coinbase is a centralized exchange where the service provider controls the users’ private keys.

Unlike with decentralized exchanges, Coinbase users have to create an account with the service and verify it by submitting different KYC and AML documents. Because of this reason, it is not possible to trade cryptocurrency anonymously (or privately) on Coinbase.

Why is an exchange decentralized?

A cryptocurrency exchange can be decentralized for a wide variety of reasons.

With a decentralized exchange, users have full control over their funds, which decreases the risks of losing funds due to a hacker attack. Also, many DEXs use blockchain technology and smart contracts to automate trading, increase transparency, and provide a high privacy level to their customers.

What is an example of a decentralized exchange?

A good example of a decentralized exchange is ViteX that uses its own blockchain to match buyers with sellers.

Instead of utilizing centralized servers, ViteX is maintained by miners who receive rewards for supporting the DEX’s ecosystem.

While you have to create an account to get started (unless you can connect a compatible wallet), you don’t need to submit KYC or AML documents for verification, allowing ViteX customers to trade cryptocurrency privately.

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Parenting In the Age of AI: Why Tech Is Making Parenting Harder – and What Parents Can Do

Jan 29th, 2026
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Many parents sense a shift in their children’s environment but can’t quite put their finger on it.

Children aren't just using technology. Conversations, friendships, and identity formation are increasingly taking place online - across platforms that most parents neither grew up with nor fully understand. 

Many parents feel one step behind and question: How do I raise my child in a tech world that evolves faster than I can keep up with?

Why Parenting Feels Harder in the Digital Age

Technology today is not static. AI-driven and personalized platforms adapt faster than families can.

Parents want to raise their children to live healthy, grounded lives without becoming controlling or disconnected. Yet, many parents describe feeling:

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Research shows this shift clearly:

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  • Reddit discussions reveal how parents experience a “nostalgia gap,”  in which their own childhoods do not resemble the digital worlds their children inhabit.
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Together, these findings suggest that while parents are trying to manage technology, the tools and strategies available to them haven’t kept pace with how fast digital environments evolve.

Technology has made parenting harder.

The Pressure Parents Face Managing Technology

Parents are repeatedly being told that managing their children's digital exposure is their responsibility.

The message is subtle but persistent: if something goes wrong, it’s because “you didn’t do enough.”

This gatekeeper role is an unreasonable expectation. Children’s online lives are always within reach, embedded in education, friendships, entertainment, and creativity. Expecting parents to take full control overlooks the reality of modern childhood, where digital life is constant and unavoidable.

This expectation often creates chronic emotional and somatic guilt for parents. At the same time, AI-driven platforms are continuously optimized to increase engagement in ways parents simply cannot realistically counter.

As licensed clinical social worker Stephen Hanmer D'Eliía explains in The Attention Wound: What the attention economy extracts and what the body cannot surrender, "the guilt is by design." Attention-driven systems are engineered to overstimulate users and erode self-regulation (for children and adults alike). Parents experience the same nervous-system overload as their kids, while lacking the benefit of growing up with these systems. These outcomes reflect system design, not parental neglect.

Ongoing Reddit threads confirm this reality. Parents describe feeling behind and uncertain about how to guide their children through digital environments they are still learning to understand themselves. These discussions highlight the emotional and cognitive toll that rapidly evolving technology places on families.

Parenting In A Digital World That Looks Nothing Like The One We Grew Up In

Many parents instinctively reach for their own childhoods as a reference point but quickly realize that comparison no longer works in today’s world.  Adults remember life before smartphones; children born into constant digital stimulation have no such baseline.

Indeed, “we played outside all day” no longer reflects the reality of the world children are growing up in today. Playgrounds are now digital. Friendships, humor, and creativity increasingly unfold online.

This gap leaves parents feeling unqualified. Guidance feels harder when the environment is foreign, especially when society expects and insists you know how.

Children Are Relying on Chatbots for Emotional Support Over Parents

AI has crossed a threshold: from tool to companion.

Children are increasingly turning to chatbots for conversation and emotional support, often in private.

About one-in-ten parents with children ages 5-12 report that their children use AI chatbots like ChatGPT or Gemini. They ask personal questions, share worries, and seek guidance on topics they feel hesitant to discuss with adults.

Many parents fear that their child may rely on AI first instead of coming to them. Psychologists warn that this shift is significant because AI is designed to be endlessly available and instantly responsive (ParentMap, 2025).

Risks include:

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Reporting suggests children are forming emotionally meaningful relationships with AI systems faster than families, schools, and safeguards can adapt (Guardian, 2025; After Babel, 2025b)

Unlike traditional tools, AI chatbots are built for constant availability and emotional responsiveness, which can blur boundaries for children still developing judgment and self-regulation — and may unintentionally mirror, amplify, or reinforce negative emotions instead of providing the perspective and limits that human relationships offer.

Why Traditional Parental Controls are Failing

Traditional parental controls were built for an “earlier internet,” one where parents could see and manage their children online. Today’s internet is algorithmic.

Algorithmic platforms bypass parental oversight by design. Interventions like removing screens or setting limits often increase conflict, secrecy, and addictive behaviors rather than teaching self-regulation or guiding children on how to navigate digital spaces safely (Pew Research, 2025; r/Parenting, 2025).

A 2021 JAMA Network study found video platforms popular with kids use algorithms to recommend content based on what keeps children engaged, rather than parental approval. Even when children start with neutral searches, the system can quickly surface videos or posts that are more exciting. These algorithms continuously adapt to a child’s behavior, creating personalized “rabbit holes” of content that change faster than any screen-time limit or parental control can manage.

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What they largely miss is visibility into the algorithmic systems and personalized feeds that actively shape children’s digital experiences in real time.

A Better Approach to Parenting in the Digital Age

In a world where AI evolves faster than families can keep up, more restrictions won’t solve the disconnection between parents and children. Parents need tools and strategies that help them stay informed and engaged in environments they cannot fully see or control.

Some companies, like Permission, focus on translating digital activity into clear insights, helping parents notice patterns, understand context, and respond thoughtfully without prying.

Raising children in a world where AI moves faster than we can keep up is about staying present, understanding the systems shaping children’s digital lives, and strengthening the human connection that no algorithm can replicate.

What Parents Can Do in a Rapidly Changing Digital World

While no single tool or rule can solve these challenges, many parents ask what actually helps in practice.

Below are some of the most common questions parents raise — and approaches that research and lived experience suggest can make a difference.

Do parents need to fully understand every app, platform, or AI tool their child uses?

No. Trying to keep up with every platform or feature often increases stress without improving outcomes.

What matters more is understanding patterns: how digital use fits into a child’s routines, moods, sleep, and social life over time. Parents don’t need perfect visibility into everything their child does online; they need enough context to notice meaningful changes and respond thoughtfully.

What should parents think about AI tools and chatbots used by kids?

AI tools introduce a new dynamic because they are:

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  • highly responsive
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This matters because children may turn to these tools privately, for curiosity, comfort, or companionship. Rather than reacting only to the technology itself, parents benefit from understanding how and why their child is using AI, and having age-appropriate conversations about boundaries, trust, and reliance.

How can parents stay involved without constant monitoring or conflict?

Parents are most effective when they can:

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This shifts digital parenting from surveillance to guidance. When children feel supported rather than watched, conversations tend to be more open, and conflict is reduced.

What kinds of tools actually support parents in this environment?

Tools that focus on insight rather than alerts, and patterns rather than isolated moments, are often more helpful than tools that simply report activity after something goes wrong.

Some approaches — including platforms like Permission — are designed to translate digital activity into understandable context, helping parents notice trends, ask better questions, and stay connected without hovering. The goal is to support parenting decisions, not replace them.

The Bigger Picture

Parenting in the age of AI isn’t about total control, and it isn’t about stepping back entirely.

It’s about helping kids:

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  • stay grounded in human relationships

As technology continues to evolve, the most durable form of online safety comes from understanding, trust, and connection — not from trying to surveil or outpace every new system.

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How You Earn with the Permission Agent

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The Permission Agent was built to do more than sit in your browser.

It was designed to work for you: spotting opportunities, handling actions on your behalf, and making it super easy to earn rewards as part of your everyday internet use. 

Here’s how earning works with the Permission Agent.

Earning Happens Through the Agent

Earning with Permission is powered by Agent-delivered actions designed to support the growth of the Permission ecosystem.

Rewards come through Rewarded Actions and Quick Earns, surfaced directly inside the Agent. When you use the Agent regularly, you’ll see clear, opt-in earning opportunities presented to you.

Importantly, earning is no longer based on passive browsing. Instead, opportunities are delivered intentionally through actions you choose to participate in, with rewards disclosed upfront.

You don’t need to search for offers or manage complex workflows. The Agent organizes opportunities and helps carry out the work for you.

Daily use is how you discover what’s available.

Rewarded Actions and Quick Earns

Rewarded Actions and Quick Earns are the primary ways users earn ASK through the Agent.

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The Agent Does the Work

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The result: earning ASK feels lightweight and natural because the Agent handles the busywork.

The more consistently you use the Agent, the more opportunities you’ll see.

Referrals and Lifetime Rewards

Referrals remain one of the most powerful ways to earn with Permission.

When you refer someone to Permission:

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As your referrals use the Permission Agent, it becomes easier for them to discover earning opportunities - and as they earn more, so do you.

Referral rewards operate independently of daily Agent actions, allowing you to build long-term, compounding value.

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What to Expect Over Time

As the Permission ecosystem grows, earning opportunities will expand.

You can expect:

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Checking in with your Agent regularly is the best way to stay up to date.

Getting Started

Getting started takes just a few minutes:

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Built for Intentional Participation

Earning with the Permission Agent is designed to be clear, intentional, and sustainable.

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Moore’s Law is still at work, and in many ways it is accelerating.

AI capabilities, autonomous systems, and financial infrastructure are advancing faster than our institutions, norms, and governance frameworks can absorb. For that acceleration to benefit society at a corresponding rate, one thing must develop just as quickly: trust.

2026 will be the year of disruption across markets, government, higher education, and digital life itself. In every one of those domains, trust becomes the premium asset. Not brand trust. Not reputation alone. But verifiable, enforceable, system-level trust.

Here’s what that means in practice.

1. Trust Becomes Transactional, not Symbolic

Trust between agents won’t rely on branding or reputation alone. It will be built on verifiable exchange: who benefits, how value is measured, and whether compensation is enforceable. Trust becomes transparent, auditable, and machine-readable.

2. Agentic Agents Move from Novelty to Infrastructure

Autonomous, goal-driven AI agents will quietly become foundational internet infrastructure. They won’t look like apps or assistants. They will operate continuously, negotiating, executing, and learning across systems on behalf of humans and institutions.

The central challenge will be trust: whether these agents are acting in the interests of the humans, organizations, and societies they represent, and whether that behavior can be verified.

3. Agent-to-Agent Interactions Overtake Human-Initiated Ones

Most digital interactions in 2026 won’t start with a human click. They will start with one agent negotiating with another. Humans move upstream, setting intent and constraints, while agents handle execution. The internet becomes less conversational and more transactional by design.

4. Agent Economies Force Value Exchange to Build Trust

An economy of autonomous agents cannot run on extraction if trust is to exist.

In 2026, value exchange becomes mandatory, not as a monetization tactic, but as a trust-building mechanism. Agents that cannot compensate with money, tokens, or provable reciprocity will be rate-limited, distrusted, or blocked entirely.

“Free” access doesn’t scale in a defended, agent-native internet where trust must be earned, not assumed.

5. AI and Crypto Converge, with Ethereum as the Coordination Layer

AI needs identity, ownership, auditability, and value rails. Crypto provides all four. In 2026, the Ethereum ecosystem emerges as the coordination layer for intelligent systems exchanging value, not because of speculation, but because it solves real structural problems AI cannot solve alone.

6. Smart Contracts Evolve into Living Agreements

Static smart contracts won’t survive an agent-driven economy. In 2026, contracts become adaptive systems, renegotiated in real time as agents perform work, exchange data, and adjust outcomes. Law doesn’t disappear. It becomes dynamic, executable, and continuously enforced.

7. Wall Street Embraces Tokenization

By 2026, Wall Street fully embraces tokenization. Stocks, bonds, options, real estate interests, and other financial instruments move onto programmable rails.

This shift isn’t about ideology. It’s about efficiency, liquidity, and trust through transparency. Tokenization allows ownership, settlement, and compliance to be enforced at the system level rather than through layers of intermediaries.

8. AI-Driven Creative Destruction Accelerates

AI-driven disruption accelerates faster than institutions can adapt. Entire job categories vanish while new ones appear just as quickly.

The defining risk isn’t displacement. It’s erosion of trust in companies, labor markets, and social contracts that fail to keep pace with technological reality. Organizations that acknowledge disruption early retain trust. Those that deny it lose legitimacy.

9. Higher Education Restructures

Higher education undergoes structural change. A $250,000 investment in a four-year degree increasingly looks misaligned with economic reality. Companies begin to abandon degrees as a default requirement.

In their place, trust shifts toward social intelligence, ethics, adaptability, and demonstrated achievement. Proof of capability matters more than pedigree. Continuous learning matters more than static credentials.

Institutions that understand this transition retain relevance. Those that don’t lose trust, and students.

10. Governments Face Disruption From Systems They Don’t Control

AI doesn’t just disrupt industries. It disrupts governance itself. Agent networks ignore borders. AI evolves faster than regulation. Value flows escape traditional jurisdictional controls.

Governments face a fundamental choice: attempt to reassert control, or redesign systems around participation, verification, and trust. In 2026, adaptability becomes a governing advantage.

Conclusion

Moore’s Law hasn’t slowed. It has intensified. But technological acceleration without trust leads to instability, not progress.

2026 will be remembered as the year trust became the scarce asset across markets, government, education, and digital life.

The future isn’t human versus AI.

It’s trust-based systems versus everything else.

Insights

Raise Kids Who Understand Data Ownership, Digital Assets, and Online Safety

Jan 6th, 2026
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Online safety for kids has become more complex as AI systems, data tracking, and digital platforms increasingly shape what children see, learn, and engage with.

Parents today are navigating a digital world that looks very different from the one they grew up in.

Families Are Parenting in a World That Has Changed

Kids today don’t just grow up with technology. They grow up inside it.

They learn, socialize, explore identity, and build lifelong habits across apps, games, platforms, and AI-driven systems that operate continuously in the background. At the same time, parents face less visibility, more complexity, and fewer tools that genuinely support understanding without damaging trust.

For many families, this creates ongoing tension:

  • conflict around screens
  • uncertainty about what actually matters
  • fear of missing something important
  • a sense that digital life is moving faster than parenting tools have evolved

Research reflects this shift clearly:

  • 81% of parents worry their children are being tracked online.
  • 72% say AI has made parenting more stressful.
  • 60% of teens report using AI tools their parents don’t fully understand.

The digital world has changed parenting. Families need support that reflects this new reality.

The Reality Families Are Facing Online

Online safety today involves far more than blocking content or limiting screen time.

Parents are navigating:

  • Constant, multi-platform engagement, where behavior forms across apps, games, and feeds rather than in one place
  • Early exposure to adult content, scams, manipulation, and persuasive design, often before kids understand intent or risk
  • AI-driven systems shaping what kids see, learn, buy, and interact with, often invisibly
  • Social media dynamics, where likes, streaks, algorithms, and peer validation shape identity, self-esteem, mood, and behavior in ways that are hard for parents to see or contextualize

For many parents, online safety now includes understanding how algorithms, AI recommendations, and data collection influence children’s behavior over time.

These challenges don’t call for fear or more surveillance. They call for context, guidance, and teaching.

Kids’ First Digital Asset Isn’t Money - It’s Their Data

Every search.
Every click.
Every message.
Every interaction.

Kids begin creating value online long before they understand what value is - or who benefits from it.

Yet research shows:

  • Only 18% of teens understand that companies profit from their data.
  • 57% of parents say they don’t fully understand how their children’s data is used.
  • 52% of parents do not feel equipped to help children navigate AI technology, with only 5% confident in guiding kids on responsible and safe AI use.

Financial literacy still matters. But in today’s digital world, digital literacy is foundational.

Children’s data is often their first digital asset. Their online identity becomes a long-lasting footprint. Learning when and how to share information - and when not to - is now a core life skill.

Why Traditional Online Safety Tools Don’t Go Far Enough

Most parental tools were built for an earlier version of the internet.

They focus on blocking, limiting, and monitoring - approaches that can be useful in specific situations, but often create new problems:

  • increased secrecy
  • power struggles
  • reactive parenting without context
  • children feeling managed rather than supported

Control alone doesn’t teach judgment. Monitoring alone doesn’t build trust.

Many parents want tools that help them understand what’s actually happening, so they can respond thoughtfully rather than react emotionally.

A Different Approach to Online Safety

Technology should support parenting, not replace it.

Tools like Permission.ai can help parents see patterns, routines, and meaningful shifts in digital behavior that are difficult to spot otherwise. When digital activity is translated into clear insight instead of raw data, parents are better equipped to guide their kids calmly and confidently.

This approach helps parents:

  • notice meaningful changes early
  • understand why something may matter
  • respond without hovering or prying

Online safety becomes proactive and supportive - not fear-driven or punitive.

Teaching Responsibility as Part of Online Safety

Digital behavior rarely exists in isolation. It develops over time, across routines, interests, moods, and platforms.

Modern online safety works best when parents can:

  • explain expectations clearly
  • talk through digital choices with confidence
  • guide kids toward healthier habits without guessing

Teaching responsibility helps kids build judgment - not just compliance.

Teach. Reward. Connect.

The most effective digital safety tools help families handle online life together.

That means:

  • Teaching with insight, not guesswork
  • Rewarding positive digital behavior in ways kids understand
  • Reducing conflict by strengthening trust and communication

Kids already understand digital rewards through games, points, and credits. When used thoughtfully, reward systems can reinforce responsibility, connect actions to outcomes, and introduce age-appropriate understanding of digital value.

Parents remain in control, while kids gain early literacy in the digital systems shaping their world.

What Peace of Mind Really Means for Parents

Peace of mind doesn’t come from watching everything.

It comes from knowing you’ll notice what matters.

Parents want to feel:

  • informed, not overwhelmed
  • present, not intrusive
  • prepared, not reactive

When tools surface meaningful changes early and reduce unnecessary noise, families can stay steady - even as digital life evolves.

This is peace of mind built on understanding, not fear.

Built for Families - Not Platforms

Online safety should respect families, children, and the role parents play in shaping healthy digital lives.

Parents want to protect without hovering.
They want awareness without prying.
They want help without losing authority.

As the digital world continues to evolve, families deserve tools that grow with them - supporting connection, responsibility, and trust.

The future of online safety isn’t control.

It’s understanding.