Best Stack for an AI MVP with Auth, Payments, and Deploy

Most AI MVP stack advice is too vague to be useful. People ask: “What stack should I use?” But the real question is usually: who owns auth? where does billing truth live? what runtime matches the app after launch? how do I avoid building an MVP that works in demo mode but breaks in production? That is why I think the best AI MVP stack should be chosen as a system, not as a random set of favorite tools. The real stack question If the MVP includes: user accounts paid plans gated features a real deploy path actual users soon Then you are not choosing “just a builder.” You are choosing: a product workflow an auth model a payment truth model a hosting/runtime model and the amount of future migration pain you are willing to buy My current default answer For a lot of AI MVPs, the practical default is: Lovable or Cursor Supabase Stripe Railway or Vercel That is the short version. The longer version is that the right stack depends on what stage the product is in and what kind of problems it is