The World Is About to Flip Upside Down

Kyzo, on AI agents replacing apps like Splitwise:

In a few months, the person paying won't open Revolut or Splitwise. They'll take a picture of the receipt and send it to their agent. That agent will identify items, match them to people, and talk to everyone else's agents.

And later:

Splitwise? It's dead in 6 months if I'm right.

The dinner anecdote is a good illustration of a coordination problem. The observation that APIs will matter more than UIs when software is talking to software — that's a real insight.

But "Splitwise is dead in 6 months" is the kind of claim that tells you more about the claimant than the technology. Killing Splitwise requires all eight people at the table to have compatible agents with payment permissions and connected bank accounts. That's not a technology problem. It's an adoption and trust problem — which is to say, a human problem. Those don't resolve in six months. They barely resolve in six years.

The piece also contains "99% of the code is written by AI," which sounds impressive until you notice the author spends every morning reviewing, steering, and deciding what to build. Measuring contribution by lines written is like crediting the printer for the novel.

There's a genuine signal here about infrastructure shifting toward agent-to-agent communication. It's buried under the standard 2025 packaging: a dinner receipt scaled to civilisational prophecy.