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#MyViewOnWeb4.0’sOutlook
Web 4.0 (the intelligent/symbiotic web) is shaping up as the next phase of the internet: an era centered on AI, where machines can think and predict like humans, seamlessly merging the physical and digital worlds.
⚡ It hasn't fully arrived yet, but the foundations are being laid. AI agents (agentic AI) are becoming autonomous, integrating with blockchain, and EU Horizon programs are opening up millions of euros in funding for Web 4.0 standards and virtual world frameworks. XR (AR/VR), IoT, edge computing, and digital twins are rapidly spreading.
Key drivers: AI being proactive (solving your needs without you having to tell it), hyper-personalization, real-time decision-making, and machine-to-machine economics (AI agents earning and paying themselves). It's taking the decentralization of Web 3.0 and making it "thinking."
2026 will be a volatile but exciting year. Like fears of AI disruption (as we saw in previous downturns), Web 4.0 will shake up some sectors, but those who adapt will win. It will accelerate towards the end of 2026 with immersive experiences (similar to a metaverse but smarter), an autonomous agent economy (with the potential for a $15T machine economy), and quantum-AI integration.
🤔 Web 4.0 will overcome the "overreaction" phase and explode between 2027-2030. Those who are ready (companies integrating AI, developers) will see huge gains; you need to stay alert. In short, Web 4.0 is transforming the internet from a "passive tool" into an "intelligent partner." 2026 is the transition year; the real revolution is near! 🚀

#AIFearsSendIBMDown11%
American technology giant International Business Machines (IBM) experienced one of its sharpest daily drops in history on Monday (February 23, 2026). The company's shares fell by 13.2%, dropping to $223.35. This was IBM's largest single-day loss since October 18, 2000. In a single day, the company's market value eroded by approximately $31-38 billion.
The main reason for the decline was the announcement by artificial intelligence company Anthropic of new capabilities for its Claude Code tool, developed for its Claude models. Anthropic stated that this tool could significantly automate the modernization process of legacy systems, particularly those written in the COBOL programming language.
COBOL is a critical language used since the 1950s and still used today in banking, insurance, government agencies, and many large enterprise systems. A large portion of these systems run on IBM mainframe platforms. For years, IBM has generated massive consulting and services revenue from modernizing, maintaining, and updating these legacy COBOL codebases. This business segment accounts for a significant portion of the company's software and infrastructure segments.
According to Anthropic, Claude Code:
- Can analyze thousands of lines of COBOL code,
- Can map dependencies,
- Can document workflows,
- Can identify risks, and
- Can automate the most complex and time-consuming parts of modernization projects, reducing the process from years to quarters.
Investors sold sharply, believing that this type of AI automation would reduce IBM's need for traditional consulting armies and suppress services revenue. Many analysts and commentators saw this as a concrete sign that "AI is now beginning to threaten not only software developers but also legacy systems giants like IBM."
The market reaction was so severe that IBM fell from levels of 11-11.2% during the day, deepening further towards the close, reaching 13.2%. This decline also fueled fears of AI-induced disruption in the general market on the same day; software ETFs fell by 4.8%, and some payment and delivery companies by over 6.5%.
Some analysts, however, argue that the panic is exaggerated. They point to factors such as IBM's strong cash flow, continued mainframe demand, a $32 billion order backlog, and aggressive capital allocation policies as reasons for the company's continued strength. Some institutions even see the recent decline as a buying opportunity and have upgraded their ratings to "Buy." The hashtag #AIFearsSendIBMDown11% (or rather, 13%) spread rapidly on social media and in financial circles. Investors are now closely watching which traditional business lines will be most threatened by models like Anthropic and OpenAI.
While IBM has yet to issue an official counter-statement, it is expected to present a defense in the coming days highlighting the advantages its COBOL modernization services still offer over AI.

#TrumpGroupMullsGazaStablecoin
The Board of Peace, established under the leadership of US President Donald Trump, is discussing the idea of a US dollar-pegged stablecoin to revitalize the post-war economy of the Gaza Strip. According to a Financial Times exclusive report dated February 23, 2026, this initiative is still in its early stages and aims to expand digital payments and alleviate cash shortages in Gaza.
Following more than two years of conflict in Gaza, traditional banking infrastructure has been largely destroyed. The circulation of physical cash (especially Israeli shekels) has been severely reduced, making daily commercial transactions difficult. The stablecoin proposal is positioned as a tool to enable Gaza residents to make digital payments. According to one official: "This will not be a 'Gaza Coin' or a new Palestinian currency; it will be a tool to enable the people of Gaza to conduct digital transactions."
The project is led by Israeli technology entrepreneur and former reserve soldier Liran Tancman, who provides free consultancy to Trump's Board of Peace. Gulf countries and Palestinian digital currency experts are also expected to contribute to the process. While the regulatory framework and access rules for the stablecoin are not yet clear, it is stated that institutions related to the Board of Peace (such as NCAG) will make decisions on this matter.
One of the aims is to cut off Hamas's cash flow. One source stated, "To rid Gaza of cash and eliminate Hamas's revenue streams." This approach raises concerns in some circles that the Gaza economy could fall under greater US-Israeli control. Critics argue that the stablecoin could weaken economic ties between Gaza and the West Bank and, in the long term, bypass the Palestinian Authority.
Currently, the project is in the preliminary stages; details, implementation method, or which blockchain infrastructure will be used are not yet clear. The Trump administration has previously brought up innovative ideas such as "AI-powered smart cities" and digital tokens for the reconstruction of Gaza.
This development shows that cryptocurrencies could play an increasingly important role in post-conflict reconstruction processes. No official statement has been made on the matter yet, but more details are expected to emerge in the coming weeks.