Coinbase, Shopify and Ramp all built their own coding agents. All three still pay Anthropic.

Enterprise engineering teams are increasingly focusing on building internal coding agents for their developers, rather than solely relying on commercial tools like Anthropic's Claude Code, OpenAI's Codex, or Cursor. Coinbase, Shopify, and Ramp have each developed their own AI-assisted software development agents, but they still utilize these commercial models for their reasoning engines.

The shift is more towards architectural changes, specifically in the agent harness – the execution environment that provides context, permissions, workflow orchestration, tool access, and verification. This architecture has been acknowledged by LangChain and is now open-sourced as Open SWE, with similar implementations found in Stripe, Ramp, and Coinbase.

The competitive advantage lies in the underlying developer platform, as demonstrated by Coinbase's Forge, Shopify's River, and Ramp's Inspect, which all share a common architecture of durable execution environments, secure access to enterprise systems, workflow orchestration, and automated verification before code reaches production.

Enterprises are in effect insourcing this AI-driven development infrastructure, similar to how they outsourced cloud infrastructure to public cloud services like AWS or Azure a decade ago.

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