S2E13 – Digital Twins and Digital Wallets: Scaling Expertise with Agentic AI 

S2E13 - Franck Pivert - Digital Twins with Digital Wallets
A thoughtful exploration of digital twins and digital wallets, examining how agentic AI can scale human expertise, reshape incentives, and redefine enterprise operating models.

As organisations look beyond agentic AI to simply automate tasks, a bigger question arises: how can we scale human expertise without losing trust, accountability or purpose?  

In our recent episode of Futurise, Franck Pivert, co-founder of swiss 6022, shared his perspective, shaped by years in defence, consulting, insurance and emerging technologies. He believes human expertise should stay at the heart of AI transformation. 

Instead of seeing AI as just another IT tool, Pivert sees agentic systems as new teammates. In this approach, groups of AI agents work with humans like colleagues at the same table. They debate, challenge ideas and help make decisions in flexible, unpredictable ways. This is a change in how organisations work, not just a mere technical update. 

Digital Twins as Avatars of Expertise

A key part of this idea is the digital twin. These are not exact copies of people, but avatars that represent professional judgement. Digital twins are built to show how experts think, weigh options and make decisions in their fields. In many organisations, this kind of knowledge is rarely written down and often leaves when the expert retires. 

When digital twins are integrated into everyday collaboration tools, expertise can keep learning, contribute and remain available even when the human expert is away. These twins are not fixed models. They are assigned to teams, trained and work as junior colleagues. They observe, ask questions and slowly take on more responsibility.

Motivation, Trust and Incentives

Still, scaling expertise brings up important human questions. Experts will only get involved if they see AI as a way to boost their work, not replace them. Frank points out a few things that help adoption succeed: less repetitive work, recognition for hidden skills and more time to focus on complex cases that need judgement. 

A bold idea in this approach is giving agents digital wallets. These wallets, powered by blockchain-based identities, enable AI agents to receive, hold and spend budgets in a transparent and secure manner. Organisations can allocate funds to agents based on the importance of a case, reward specific contributions and permit agents to independently purchase external data and services as needed. By using digital wallets, agents become more like economic actors, operating transparently within defined organisational boundaries and rules. 

This setup also creates new ways to reward people. Once expertise is embedded in a digital twin, it becomes an asset that continues to create value even after someone retires. This helps preserve knowledge for the long term and ensures fair recognition and rewards.

From Insurance to a Knowledge Economy

Industries like insurance, which are highly regulated and rely on expert judgement, are a good place to test these ideas. Handling claims, underwriting and compliance all involve uncertainty, emotional situations and strict rules. If agentic teams can work well here, the same approach could be used in law, healthcare, workforce development and more. 

Over time, this approach could lead to a bigger change: a marketplace where expertise is easy to access, available when needed and passed down through generations. For experienced professionals, digital twins offer a way to leave a legacy. For newcomers, they make learning more interactive rather than relying solely on static training. 

As organisations shift from single agents to agentic teams, the main challenge becomes redesigning work, incentives and trust so both humans and AI can grow responsibly.

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