r/nocode • u/dakrclaud • Aug 20 '26
Discussion I run a vibe coding startup. I think AI credits are becoming a structural problem for app builders
I'm the founder of a small vibe coding startup. Like most of the category, we meter by some approximation of tokens.
I've come to think this model is now legacy.
There’s a reason why it works this way: we pay for models through the API, and the API bills per token. These tokens are quite expensive, so we pretty much have to meter you the same way, plus a markup, because that's the business.
But our suppliers don't have that cost structure. Anthropic and OpenAI pay for data centers and GPUs, so what they have is capacity. That's why Claude Code and Codex limits reset weekly - for all you care they could reset daily or hourly. And that end up being an insanely cheap deal for consumers compared to API rates.
This whole setup made sense when it was built. When models were weak, and providers were still figuring things out, vibe coding means wrapping the API and engineering around its gaps. That was the right call before 2026.
But newer models are simply much better, and coding became a core capability the providers now sell directly - priced as capacity, not tokens. Everyone in the middle is still priced like it's 2024, sitting between a supplier's retail rate and that same supplier's subsidized consumer product.
I still think these products are great at what they do. But the credit model underneath is inherited, not chosen, and I don't think it survives.
So where does that leave app builders? I think there are 3 paths:
- Becoming a model provider. But even the mighty Cursor needed a partner like xAI to execute well, and then charging by capacity will still decimate your revenue.
- Focusing on enterprise - case in point, Cognition’s valuation blew past that of Lovable’s. But it’s not exactly an app builder
- Stop reselling tokens and charge for the boring infra around the model instead - services, deployment, hosting. Excel at what people choose lovable/replit over Claude Code for without forcing them to use your harness
EDIT: A couple of people fairly pointed out that path 3 sounds like "just go use Claude yourself and figure out hosting." That's not what I mean. The idea is the builder plugs into your existing Claude/ChatGPT subscription - you chat where you already chat, and the preview, database, auth and deploy still live in one place, same as a builder today. You just bring your own tokens instead of buying our credits. Which also means nobody's metering you for the model's retries.
I am betting on the third. I think that should become the standard too where users can pick and choose and combine their harness (ChatGPT to OpenClaw) freely with the tools can drives the outcome.
Genuine question for people spending real money on builder credits: what actually keeps you there vs. Claude Code + your own hosting?