AI Wrappers Are Dead: What Smart Developers Are Building Instead in 2026

McKinsey reports only 3% of AI startups will survive the next two years. Google just warned that companies built around LLM wrappers have their check engine light on. The average AI wrapper has a 65% churn rate within 90 days. But developers who understand what comes after wrappers are building the most valuable software of the decade. The AI gold rush is not over. The easy money is.