| Who you talk to | Sales, then a project or account manager who relays to developers | The developer who designs and writes your code |
| Who writes the code | Assigned from the agency team; can change during the project | Me, from first commit to launch |
| What your price pays for | Developers plus sales, management, office and margin | Engineering time on your product |
| Changes mid-project | Usually a change request through the account manager | Discussed directly, priced in writing before work starts |
| Code and account ownership | Varies by contract; check it | Your repository, your App Store / Play Store and cloud accounts |
| Team size | Can run several developers in parallel | One senior developer; best for focused scopes |
| Best fit | Large builds, many parallel workstreams, enterprise procurement | MVPs, business apps, CRMs, clinic systems, e-commerce |