Meta’s stock jumped 14% on Monday, September 21, the day it launched Muse, a consumer AI agent that can already trade crypto natively through Coinbase. For Jordi Visser, speaking on his podcast A Bear Market Inside a Bull Market, that single day marked the arrival of the personal agent — and the moment the market split into two incompatible realities. One reality is built on debt, housing, autos, and the Russell 2000, and it obeys the old arithmetic of rate hikes. The other runs on “ghost rails” — tokenization and crypto infrastructure built over fifteen years — and is now being activated by AI agents that have no loyalty to Visa, credit cards, or familiar interfaces. The bear market, he argues, is not coming. It is already here,…