Retail traders delegate portfolio decisions to AI agents

Polymarket and Bybit are removing friction from algorithmic trading by building agent-native interfaces—letting retail traders access automation that previously required programming skills or institutional budgets. This creates a consumer behavior loop where speculators outsource timing and execution to models they've trained, collapsing the gap between human conviction and automated action while distributing liability for losses across both trader intent and model behavior. The pressure point isn't whether retail traders should use AI agents, but which platforms own the trader-agent relationship and whether regulators will treat a retail trader's AI proxy as distinct from the trader when losses mount.