Bank-tier GPT-5.4-Cyber access means whatever attribution pipeline JPM runs with Chainalysis or TRM gets a reasoning-layer upgrade — cluster heuristics that needed weeks now run in minutes per wallet. The 2022 Tornado playbook scaled badly because attribution was manual; this collapses the bottleneck. Railgun, Penumbra, and any stack relying on weak unlinkability just had their attack surface multiplied.

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