The Last Interface
    AI & Business

    The Last Interface

    February 17, 20268 min read

    TLDR:

    • Chat is the last interface. Every app is now relegated to “infrastructure”.

    • WeChat proved it in China. OpenClaw proved it’s coming West.

    • Musk is the only one building every layer. Chat. Payments. Trading. AI. One app.

    • Crypto is the currency of the agent economy.

    • After chat, voice. After voice, thought.

    Wrong Buyer

    When the Steinberger news dropped on Sunday, I thought to myself: it was only a matter of time.

    I’d been watching OpenClaw for weeks, turning over the same question. Not what it does. That part is obvious. The question was what it reveals about where the interface layer is heading. And who should be positioning themselves to own it.

    Then OpenAI announced the hire. Tech-X lit up: “"OpenAI wins again. Anthropic should have moved. Google missed out.”

    The whole conversation is off by one layer.

    The Man Who Knows Interfaces

    Peter Steinberger built PSPDFKit, a PDF processing toolkit that became the industry standard across Apple platforms. Bootstrapped it for 13 years. Grew it to 70 employees. Exited at roughly €100 million. The man spent his career thinking about how humans interact with software.

    Then he came out of semi-retirement and built OpenClaw. An open-source AI agent that became the fastest-growing project in GitHub history. Over 180,000 stars. The AI that, as its tagline says, “actually does things.” Manages your email. Books your flights. Files your reimbursements. Clears your inbox.

    And for the interface, he chose messaging apps. Telegram. WhatsApp. Discord. Signal.

    Not a custom app. Not a dashboard. Not a command line. Chat. The same place where you message your friends and your family.

    A deliberate design decision from someone who has spent decades thinking about how people use software.

    From Typing to Talking to Silence

    On the podcast last week, Steinberger revealed that he talked so much to his AI agent through voice messages that he literally lost his voice.

    He went from coding himself. To coding with AI. To typing instructions. To just talking. Until his voice gave out.

    One person’s journey compressed the entire future of human-computer interaction into a few months.

    I’ve written about the shift from doing the work yourself to directing the work. Steinberger is the clearest embodiment of that shift. He doesn’t touch the software. He doesn’t open the apps. He tells his agent what needs to happen and the agent summons whatever tools are needed to get it done.

    Every App Just Got Demoted

    Every app you use daily. Gmail, Google Docs, your CRM, your calendar, your spreadsheet tools. They all just got pushed down a layer. They still exist. But you no longer open them. Your agent opens them on your behalf.

    You never see the interface. You just see the chat.

    and I wrote about a unified software layer that translates intention into execution without you needing to understand the mechanics. OpenClaw is that layer. It happened faster than we expected.

    I’ve also argued that SaaaS companies need to become platforms, that the legacy mammoths shipping monolithic products with eighteen-month roadmaps would watch their install base erode. The erosion didn’t come from a better platform. It came from a layer above the platform. An agent that makes every app interchangeable.

    Only the chat matters.

    The Expedia Moment

    I was booking a trip yesterday on Expedia. And it struck me.

    When was the last time I visited an airline’s website directly? Or a hotel chain’s booking page? I don’t interact with any of them anymore. Expedia aggregated them into a single interface. The airlines and hotels still exist. They still operate the planes and the rooms. But they lost the customer relationship. They became infrastructure.

    That’s exactly what’s happening again. One level up.

    OpenClaw is doing to all software what Expedia did to travel. Gmail, your CRM, your calendar. They're becoming the airlines. And Expedia is becoming an airline too. Your agent will search, compare, and book without you ever opening Expedia. The chat is the only layer left.

    Technology always moves toward the path of least resistance. Fewer clicks. Less friction. Every generation removes a layer between you and what you’re trying to accomplish. Chat is the lowest friction digital interface we’ve found. Zero learning curve. You already know how to do it.

    This Already Happened

    WeChat in China is not a messaging app. It’s the operating system of daily life. Pay for groceries, hail a cab, book a doctor, apply for government services, run your business. A billion people interact with the entirety of China’s digital infrastructure through a single chat interface.

    Every other app got pushed below the WeChat layer.

    The West has tried to replicate this for years. Jack Dorsey wanted it with Square and Cash App. Facebook tried to turn Messenger into a platform in 2016. Snap took a shot. None cracked it. Antitrust scrutiny, App Store gatekeeping, cultural fragmentation across dozens of apps.

    OpenClaw proved something different. Not that the super app works in the West. But that chat is the natural gateway between humans and AI agents. The interface layer is ready. What’s missing is the full stack around it.

    Almost no one is building that full stack. Almost.

    Who Should Have Picked Up the Phone

    I read a lot of debate over whether Anthropic or Google should have acquired Steinberger. The most logical acquirers weren’t model companies. They were the companies that own the chat layer.

    Telegram has an open bot API. That’s one reason Steinberger built on it. Telegram already has the distribution: nearly a billion users. Already has the daily habit. Steinberger just proved, in front of the entire tech world, that messaging is the most natural gateway between humans and AI agents.

    Meta has both the chat platform, over 2 billion WhatsApp users, and the AI models with Llama. The full stack. The interface layer and the intelligence layer.

    We don’t know what happened behind closed doors. Maybe Durov made a call. Maybe Zuckerberg’s team ran the numbers. But the outcome speaks for itself: the acquisition went to OpenAI. A model company that doesn’t own a chat platform.

    The One Who Gets It

    There is one person who seems to understand the full picture.

    Elon Musk has been building every layer of the stack. Last June, X launched XChat with encryption, voice and video calls, file sharing. Built from scratch on Rust. On Joe Rogan’s podcast, Musk described it as peer-to-peer encryption with no advertising hooks. Two weeks ago he publicly told users: “WhatsApp is not secure. Even Signal is questionable. Use X Chat.”

    That’s the chat layer.

    On February 14th, X’s head of product Nikita Bier announced “Smart Cashtags” launching in weeks. Users will trade stocks and crypto directly from the timeline. X Money, the company’s in-house payments system, is in internal beta.

    That’s the payments layer.

    And Musk already has the intelligence layer through xAI and Grok.

    Chat. Payments. Trading. AI. All inside a single app. In an all-hands presentation, Musk said it plainly: “When I say payments, I actually mean someone’s entire financial life.”

    Since acquiring Twitter, he has been explicit about replicating WeChat in the West. At the time it sounded like overreach. Now it looks like strategy.

    The Currency of the Agent Economy

    If AI agents are going to transact on your behalf, book flights, pay for services, purchase resources, they need money that moves at the speed they operate. Traditional banking rails weren’t built for this. Visa settles in one to three days. An AI agent operates in milliseconds.

    Binance CEO Richard Teng said it this week: “Crypto is the currency for AI.” Coinbase just launched “Agentic Wallets,” built on the x402 protocol, purpose-built for AI agents to hold funds, send payments, and trade autonomously.

    Visa is a payment network built on human trust. Crypto is a settlement layer built on machine trust.

    This is why Musk adding crypto trading to X isn’t just a feature. It’s infrastructure for the agent economy. The chat layer where you direct your agents. The payments layer where they transact. And crypto as the currency they use to settle with each other and the world.

    After Chat

    But even chat has friction. Typing is slower than thinking.

    Steinberger already moved past typing. He talks to his agent all day. Voice is next.

    And after voice? Musk's Neuralink is working on brain-computer interfaces that translate thought directly into digital commands. just published a deep dive on Neuralink. The core stat: the brain takes in a billion bits per second but can only express ten. Every interface we've ever built is a workaround for that bottleneck. Neuralink aims to remove it entirely. Today that sounds distant. But so did an AI agent that manages your entire digital life through Telegram. That was three months ago.

    We remove layers between intention and action. Coding was intention through syntax. GUIs through clicks. Chat through language. Voice through speech. The logical endpoint is intention translated directly.

    We’re years away. But the direction is unmistakable.

    The Bet

    The model companies are fighting over intelligence. The infrastructure companies are fighting over compute. The tool companies are fighting to stay relevant as agents make their interfaces optional.

    But the real game is played on the layer above all of them. The chat. The payments. The surface where humans and agents meet.

    WeChat proved this works at civilizational scale. OpenClaw proved it’s coming to the West. Musk is building it in plain sight. Crypto is becoming the settlement layer beneath it.

    And on Sunday, the guy who figured out that chat is the gateway went to a model company instead of a chat company.


    References:

    Peter Steinberger joins OpenAI, Sam Altman announcement on X (February 15, 2026)

    Podcast #491, “OpenClaw: The Viral AI Agent that Broke the Internet” (February 11, 2026). https://lexfridman.com/peter-steinberger/

    OpenClaw: https://openclaw.ai

    PSPDFKit. Peter Steinberger’s previous company, PDF processing SDK (founded 2010, ~€100M exit)

    Elon Musk on XChat, The Joe Rogan Experience (November 2025)

    X Smart Cashtags and X Money announcement, Nikita Bier on X (February 14, 2026). Via CoinDesk.

    Coinbase Agentic Wallets, built on the x402 protocol (February 2026). https://www.coinbase.com/developer-platform/discover/launches/agentic-wallets

    Richard Teng, Binance CEO, Consensus Hong Kong (February 2026)

    Written by

    Sacha Windisch

    Sacha Windisch is the founder of Inference Associates. He coaches executives and business leaders on practical AI capabilities through personalized intensive sessions. 20+ years in technology transformation. MIT AI Product Design. Based in Montreal, working globally.

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