The Death of the Interface

The author argues that apps, websites and buttons are dying, and that money will move through agents via "headless money," meaning stablecoin settlement, accounts, fiat connectivity and cards exposed through a simple API with no frontend. The article ties this to M, a Messenger assistant that Meta tested in 2015 and later wound down after automating no more than 30% of interactions, and to Libra, which was killed for political reasons. The author says models and stablecoin laws, including MiCA in Europe and the GENIUS Act in the U.S., now exist, so the timing is right. The author also says the author's company, Lightspark, is building headless money.