To me, this classification overlooks the largest and arguably most profitable class of AI products: models that aren't the interface but are embedded deep within existing systems as infrastructure components, for example:

- Anti-fraud systems in fintech

- Supply chain optimization

- Predictive maintenance for equipment

- Models for medical image analysis

They don't have a "chat," and they aren't "agents", they are just APIs that solve one highly specialized task, but do so with extreme precision and reliability. They don't compete with ChatGPT because they solve completely different problems, and they're the ones that have been bringing in real money for years