MOATS IN THE AGE OF FLOODS

Summary from the TLDR Fintech newsletter

Increasingly capable AI models will not eliminate the application layer because the real bottleneck is turning raw intelligence into reliable outcomes across messy workflows, institutions, incentives, and human coordination. This post outlines seven ways companies can build durable moats, including orchestrating networks, accumulating workflow data, giving customers control over AI deployments, climbing to higher-value abstractions, pricing against outcomes, and becoming a trusted layer that models alone cannot replace.