It depends on the roadmap. A single-brand MVP with a short list of screens may not need one yet. A roadmap with several KYC-heavy flows, white-label delivery across multiple brands, or a combined fiat and crypto product changes the calculation, since the custom-build cost compounds across every one of those dimensions rather than staying fixed. Kindgeek sees this pattern repeat across client engagements: the tipping point can arrive sooner than a product team might expect.