Finance Is Eating The F***ing World.

AI has fundamentally changed who should build software. For decades, coders (nerds) built software and sold it to companies with customers. That's backwards. Companies with customers know what they need. The Toledo Mortgage Board Director has 70,000 members and a filing cabinet full of hand-drawn wireframes showing exactly what they want. He's spent $3.5 million trying to turn those wireframes into products. These aren't Stanford dropouts. They're 50-year-old board members with perfect distribution and product knowledge who couldn't build. Now they can. Within 5 years, every company with 50,000+ customers will offer financial products. Cove becomes the infrastructure for this $260 billion market shift. The thin SaaS layer that extracted value for a decade is disappearing. Companies that built century-old distribution will finally own their products.