"AI agent" gets used loosely to describe everything from a simple chatbot to a system that can plan and execute multi-step tasks on its own. The differences matter, because they determine how much you can trust a system to act without checking in.
A chatbot answers a question or holds a conversation. It has no memory beyond the current session (usually) and no ability to take an action in the world - it can tell you how to do something, but it can't do it for you.
An assistant can call a specific tool on your behalf - send an email, look something up, generate an image - but only within a defined scope you've set. It executes one step you asked for; it doesn't decide what the next step should be.
An agent is given a goal, not a single instruction, and works out the steps itself - which tool to use, in what order, and what to do if a step fails. This is the meaningful line: an assistant does what you tell it; an agent figures out what to do next.
The most advanced systems chain multiple agent actions together with minimal human review between steps. This is powerful for well-defined, low-risk workflows, and exactly why most real deployments keep a human checkpoint somewhere in the loop for anything consequential.