User-owned chrome is the surrounding interface whose layout, controls and rules are set by the person or their agent. In this scenario, individual providers supply services inside those rules.
A traveller sets one rule: show the full fare and read changes aloud. The same controls apply when comparing two rail operators. Each operator supplies its prices, but neither can hide fees in a different checkout layout.
Read: Inverting the interface: design, personal agents, and the post-brand world
Essays
What happens when people experience brands, services, and institutions primarily through their own AI agents—rather than through brand‑designed apps, websites, and campaigns?