The integration of AI and engineering is reshaping the decentralized finance (DeFi) and software-as-a-service (SaaS) sectors, challenging traditional labor-capital dynamics. As AI models advance, they are transforming organizational structures by reducing human involvement and enhancing efficiency. This shift is evident in the rise of token democratization and agent practicalization, where AI agents equipped with skills are becoming central to operations, potentially leading to a low-employment economy. In China, token usage has skyrocketed from 100 billion per day in 2024 to 140 trillion per day by the end of 2025, signaling a shift towards a zero-cost era for content and data production. This trend is decentralizing capabilities, empowering smaller enterprises and individuals. However, the commoditization of tokens and the evolution of AI-driven models are challenging the traditional SaaS monopoly, with AI offering new economic growth opportunities. Despite these advancements, DeFi faces challenges such as liquidity issues and security concerns. The evolution of AI capabilities offers hope for rewriting DeFi rules, with potential improvements in capital efficiency and security. As AI continues to transform DeFi, the focus shifts to enhancing smart contracts and organizational structures, paving the way for a new era of financial innovation.