BernuviaBernuvia

The end of the eternal rental

SaaS is aging. Building your own is no longer a luxury.

For twenty years the only sensible option was to rent generic software and bend your business around it. Today any person or company, of one person or a thousand, can have its own software: cheaper, more personalized and under its control. On Bernuvia you start from an expert-built template, with the payment protected by escrow.

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Two curves crossing

Median growth of private SaaS (%) · 35% → 22% in four yearsNew Google code written by AI (%) · 25% → 75% in two years
Median annual growth of ~1,000 private SaaS companies [1] versus the share of new code generated by AI at Google [2].

46%[3]

of the SaaS licenses companies pay for are used by no one

$21 M[4]

a year is what the average organization wastes on unused licenses

$234,000 M[5]

of enterprise SaaS spending is at risk from AI between now and 2030

75%[2]

of Google's new code is already written by AI

The problem

The eternal rental keeps getting more expensive

The SaaS model charges per seat, forever, however much the price climbs. And it is climbing: while generic software gets pricier, it retains worse and worse.

You overpay, use it or not

The average company runs 305 SaaS applications, spends $4,830 per employee per year and uses only 54% of the licenses it pays for. The waste grows 14% a year.[3][4]

Prices 4 times above inflation

SaaS inflation hit 16.4% in June 2026: the record of the Vertice index, almost four times the US CPI (4.2%).[6]

Customers are leaving

B2B SaaS retention has fallen three years in a row (90% → 88%) and only 6% of companies reach today the old standard of 100% net retention.[7][8]

Generic software gets pricier 4× faster than life

Vertice's SaaS Inflation Index, computed on more than $75,000 M of processed spend [6].

In the era of AI agents, the very notion of business applications could “collapse”.[9]

— Satya Nadella, CEO of Microsoft

The tide that turned

Building software stopped being a privilege

In February 2025 Andrej Karpathy gave a name to what was already happening: vibe coding, building software by conversing with AI. Ten months later it was the Collins Dictionary word of the year [10].

55.8%[11]

faster is how a developer codes with an AI copilot

84%[12]

of developers already use or plan to use AI tools in their daily flow

25%[13]

of Y Combinator's W25 batch startups had 95% of their code generated by AI

70%[14]

of new applications are already built with low-code or no-code tools

Bernuvia

The wave is real. Don't surf it from scratch.

While the world discovers it can now build, Bernuvia's experts already built: complete templates, reviewed and working, ready to become your software with a few hours of customization.

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Rent or build

The math no longer favors renting

It's not ideology: it's arithmetic. Compare what each path gives you.

Renting generic SaaS

  • You pay per seat, every month, forever
  • The price goes up whenever the vendor wants
  • Features you never use, paid for anyway
  • Your operation adapts to the software
  • Your data lives in someone else's house
  • If the vendor shuts down or blocks you, you're left with nothing

Building on a template

  • You pay once; the code is yours
  • Zero rent: just your hosting (from pennies)
  • Exactly the features your business needs
  • The software adapts to your operation
  • Your data, your database, your control
  • No one can switch you off: the code lives with you

The missing link

The problem is no longer building: it's knowing where to start

That's where Bernuvia comes in: a marketplace where experts in each field sell complete, working templates (a booking SaaS, a store, an admin panel) that you buy for a fraction of what building them costs, and customize with vibe coding until they are exactly your business.

You don't start from zero: you start at 80%. On an agile, secure platform with payments protected on the crypto network.

1

An expert built it

Every template is published by a builder who masters their field, and passes review before going on sale.

2

You make it yours

You download the full code and customize it by conversing with AI: your brand, your rules, your flow.

3

No monthly rent

You pay once. Whatever you deploy is yours forever, on your own infrastructure.

The other side of the counter

For those who build: your knowledge, in passive-income mode

No one knows a business like the person who works it: whoever masters medical bookings, logistics, gyms or stores knows exactly what software is needed and how it should work. With AI, that knowledge turns into efficient templates: programming stopped being the barrier.

Bernuvia is the storefront: you publish your template once and every sale is passive income. The lowest fee on the market rewards precisely those who build.

Sell your knowledge

500 M[15]

new digital apps and services: more software than traditional teams could produce

80%[16]

of tech products and services are already built outside IT departments

4 to 1[17]

creators who are not professional programmers dominate inside large companies

The other half of the equation

A 3.8% fee: the lowest on the market

Traditional marketplaces charge fees that make everything more expensive: creators raise prices to compensate and buyers pay them. Bernuvia runs on a crypto ecosystem and that efficiency shows up in the fee, not in our margin.

CodeCanyon (Envato)50%[18]
Gumroad (marketplace)30%[19]
Shopify App Store15%[20]
Hotmart9.9%[21]
Etsy6.5%[22]
Bernuvia3.8%
Published rates for each platform: Envato keeps 50% of every sale on its marketplaces (CodeCanyon included) since July 2026 [18]; Gumroad charges 30% on sales coming through its marketplace and 10% + $0.50 on direct sales [19]; Shopify App Store charges 15% above the first million, plus 2.9% processing [20]; Hotmart charges 9.9% + $0.50 per sale [21]; Etsy charges a 6.5% transaction fee plus $0.20 per listing and ~3% + $0.25 processing [22].

Lower fee = lower prices for buyers

Lower fee = more margin for builders

Money travels straight through a public contract, with no banking tolls

Frequently asked questions

Is SaaS really going to disappear?

Not overnight, and not all of it. What is dying is the eternal rental of generic software with prices that raise themselves: growth, retention and inflation data have been saying it for four years. Specialized software will keep existing, but more and more companies will build their own because now they can.

Do I need to know how to code to start?

Less and less. Bernuvia templates arrive complete and working; customizing them with AI tools is a conversation, not coding from scratch. And if something is over your head, the builder who created it can offer support.

Why can Bernuvia charge so little?

Because the crypto ecosystem removes middlemen: there is no card processor taking its cut and no chargebacks to insure. Payment goes in USDC to a public escrow contract on Polygon and is released when you get what's yours. Today Bernuvia's fee is 3.8%.

What if the template isn't what I expected?

Your payment doesn't reach the seller until the review period passes. If something is off, you open a dispute from your panel and the money stays frozen in the contract while it gets resolved.

Bernuvia

Stop renting. Start building.

Explore templates made by experts, pay once with escrow protection and turn them into YOUR software. No monthly fees, no one's permission.

Explore the marketplaceProtected payments

Sources

Every figure on this page comes from third parties and carries its date; we collected them from studies, indexes with public methodology and serious specialized press. Bernuvia's fee is the platform's current one.

  1. [1]SaaS Capital: Growth Rate Benchmarks: median growth 35% → 22%, 2022 to 2025 (2026) ↗
  2. [2]Sundar Pichai, CEO of Google: 75% of new code generated by AI, April 2026 (25% in 2024, 50% in 2025) ↗
  3. [3]Zylo: 2026 SaaS Management Index: 54% license utilization, 305 apps per company on average (2026) ↗
  4. [4]Zylo: 2025 SaaS Management Index: $21 M/year in unused licenses (+14.2%), $4,830 per employee (2025) ↗
  5. [5]Gartner (via CIO Dive): $234,000 M of SaaS spending at risk from agentic AI through 2030 (2026) ↗
  6. [6]Vertice: SaaS Inflation Index: 16.4% in June 2026 vs 4.2% US CPI (2026) ↗
  7. [7]Benchmarkit: 2025 B2B SaaS Performance Metrics: gross retention 90% → 88%, 2022 to 2024 (2025) ↗
  8. [8]ChartMogul: SaaS Retention, The New Normal: 6% of companies with 12k+ subscribers reach NRR ≥ 100% (2024) ↗
  9. [9]Satya Nadella, CEO of Microsoft: B2G podcast: business applications could “collapse” in the agent era (2024) ↗
  10. [10]Collins Dictionary: “vibe coding”, word of the year 2025; term coined by Andrej Karpathy in February 2025 ↗
  11. [11]Peng, Kalliamvakou, Cihon & Demirer: The Impact of AI on Developer Productivity, controlled experiment, arXiv 2302.06590 (2023) ↗
  12. [12]Stack Overflow: Developer Survey 2025: 84% use or plan to use AI; 50.6% use it daily (2025) ↗
  13. [13]TechCrunch: 25% of Y Combinator's W25 batch with 95% of their code generated by AI (2025) ↗
  14. [14]Gartner (via TechRepublic): 70% of new applications will use low-code/no-code by 2025, up from <25% in 2020 (2021) ↗
  15. [15]IDC (via Forbes): more than 500 million new digital apps and services deployed by 2023 (2019) ↗
  16. [16]Gartner (via VentureBeat): by 2024, 80% of tech products built by people outside IT (2021) ↗
  17. [17]Gartner (via VentureBeat): non-professional creators will outnumber professional programmers 4 to 1 in large companies (2021) ↗
  18. [18]Envato (Author Hub): new split on Envato Market/CodeCanyon: the author receives 50% of the item price (2026) ↗
  19. [19]Gumroad: official pricing: 10% + $0.50 on direct sales; 30% when the sale comes through its marketplace ↗
  20. [20]Shopify: App Store revenue share: 0% on the first million (lifetime), 15% after, plus 2.9% processing ↗
  21. [21]Hotmart (help center): standard fee: 9.9% + $0.50 per approved transaction ↗
  22. [22]Etsy (fees policy): 6.5% transaction fee, $0.20 per listing and ~3% + $0.25 processing in the US ↗