The Commoditization of LLM Models

I’m becoming more convinced that LLMs are moving toward the same structure as payment networks. The models will be incredibly important. But the largest value will not be captured by the raw model layer alone. It will be captured by the layers above it: routing, evals, RAG, MCP, memory, orchestration, agentic workflows, vertical applications, and trust infrastructure. As a founder and developer, this pattern feels familiar to me.I previously built a fintech company that routed transactions acros