Whether your AI "is an agent" is the wrong question — the right question is how agentic it needs to be for your specific use case. Your trading desk needs zero-ambiguity entity resolution; your research team needs creative exploration; your compliance docs need audit trails. Generic SaaS picks that balance for the broadest market, not your risk tolerance. The gap between flashy demos and production systems that auditors trust? That's where customization lives, and it's the only moat that compounds.​​