TLDR Tech / Fintech
The claw economy
The “SaaSpocalypse” is just phase one of a broader shift where personal AI agents (“claws”) replace software products with modular “skills.” As agentic coding and commerce remove friction, renegotiating subscriptions, reshopping insurance, routing around interchange, incumbent SaaS, and intermediation models face margin compression and seat loss. The next layer is personal, compounding AI trained on your methodology and feedback, shifting the unit of value from apps to skills and turning workers into managers and builders of agents simultaneously.
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