Section 01
Low-Code Workflow Platforms
Build AI-powered automations visually — no need to learn Python, LangChain, or any programming framework. Drag, drop, connect.
| Platform | Pricing | Self-Hosted? | Best For | EU Notes |
|---|---|---|---|---|
| n8n | Free (self-hosted), Cloud from €24/mo | ✓ | Technical users who want full control; 400+ integrations | Can be self-hosted on EU servers |
| Make | Free tier, then from €10.59/mo | — | Visual thinkers; great UI, strong app ecosystem | 🇨🇿 EU data centres available |
| Pipedream | Free tier, then from $29/mo | — | Developers comfortable with light code | US |
| Zapier | Free tier, then from €19.99/mo | — | Beginners; simplest interface, 7,000+ apps | US, some EU processing |
| Activepieces | Free (self-hosted), Cloud from $5/mo | ✓ | Open-source Make alternative; growing fast | Can be self-hosted on EU servers |
Section 02
API Routers & Orchestrators
A single gateway to access multiple AI models. One API key, switch between models easily, and keep your data in the EU.
| Platform | What It Does | Pricing | EU Compliance |
|---|---|---|---|
| EUrouter | EU-sovereign AI routing; drop-in OpenRouter replacement | Pay-per-use | 🇪🇺 Data stays in EU |
| Requesty EU | 140+ models, zero cross-border transfer, Frankfurt-hosted | Pay-per-use | 🇪🇺 GDPR Art. 44, ISO 27001 |
| Euqai | EU-native router with intelligent model selection | Pay-per-use | 🇳🇱 Hosted in Netherlands |
| OpenRouter | Largest model selection (200+) | Pay-per-use | Note: EU routing by request only |
Section 03
Best AI Models by Task
You don't need the biggest model for every job. Here's what works best for common small business tasks, as of June 2026. Each model name links to the provider's announcement or model page.
General Text (emails, summaries, content drafts)
| Model | Provider | Approx. Cost | Notes |
|---|---|---|---|
| Mistral Medium 3.5 | Mistral AI 🇫🇷 | ~$0.40 / 1M input | Best European option; 256k context, strong multilingual |
| Mistral Small 4 | Mistral AI 🇫🇷 | ~$0.15 / 1M input | Apache 2.0; great for simple tasks, European language fluency |
| Claude Sonnet 4.6 | Anthropic 🇺🇸 | ~$3.00 / 1M input | Excellent for nuanced writing and analysis |
| GPT-5 mini | OpenAI 🇺🇸 | ~$0.25 / 1M input | Cheapest "good enough" option; 400k context |
OCR (Reading documents, invoices, scanned PDFs)
| Model / Service | Type | Best For |
|---|---|---|
| Mistral OCR 3 | API (commercial) 🇫🇷 | Best all-round document understanding |
| Google Document AI | API (commercial) | Strong layout detection |
| Azure Document Intelligence | API (commercial) | Best for invoices and forms |
| PaddleOCR 3.5 | Open Source | Self-hosted, 100+ languages, free |
| olmOCR-2-7B | Open Source | State of the art for scanned docs |
Speech-to-Text (Transcription)
| Model / Service | Type | Best For |
|---|---|---|
| Mistral Voxtral | API + Open Source 🇫🇷 | EU-sovereign; outperforms Whisper on European languages |
| Whisper Large V3 Turbo | Open Source | Best overall open-source STT; 50+ languages |
| Deepgram Nova-3 | API (commercial) | Best real-time; lowest latency |
| ElevenLabs Scribe v2 | API (commercial) | 99 languages, excellent diarisation |
| Google Chirp 3 | API (commercial) | 100+ languages |
Coding from the Command Line (Vibe Coding)
A coding CLI is a chat window that lives in your terminal and can read, write, and run files in your project. You describe what you want in plain English; the model edits the code, runs it, and reports back. Most are free to install — you pay either a subscription or per-use API fees for the model behind them.
| Tool | Model | Pricing | Best For |
|---|---|---|---|
| Claude Code | Claude (Sonnet, Opus) | Included with Claude Pro/Max ($20–$200/mo) or pay-per-use API | Most polished agent; best for non-developers who want it to "just work" |
| Codex CLI | GPT-5 family | Free CLI; ChatGPT Plus/Pro sign-in or OpenAI API key | OpenAI users who already pay for ChatGPT |
| Gemini CLI | Gemini 2.5 Pro | Generous free tier with a Google account; paid via API | Most generous free tier; good for trying things out |
| Aider | Any (Claude, GPT, Mistral, local Ollama, etc.) | Free; you pay the model provider directly | Sovereignty: point it at Mistral or a local model |
| opencode | Any (provider-agnostic) | Free; bring your own API key | Open-source alternative if you want full control |
Claude Skills Worth Stealing for Any Model
A Claude Skill is a folder with a SKILL.md file (plain markdown instructions) and optional bundled scripts. The format is portable: you can drop the same instructions into opencode with Mistral, Aider, or Gemini CLI — you just lose Claude's automatic loading. Below are six worth borrowing.
| Skill | What it does | Where it's from |
|---|---|---|
| frontend-design | Builds polished UI that avoids generic "AI slop" aesthetics — strong taste, real CSS, considered typography | anthropics/skills |
| gdpr-compliance | Audits code for GDPR issues, drafts privacy notices and DPAs, answers compliance questions with article citations | orazionelson/gdpr-compliance-claude-skill |
| video-use | Edits video by conversation — transcribe, cut, colour grade, burn subtitles. No menus, no presets. | browser-use/video-use |
| systematic-debugging | Disciplined reproduce → minimise → hypothesise → fix loop for hard bugs and performance regressions | obra/superpowers |
| code-review | Reviews a pull request against the plan and your coding standards — catches what self-review misses | anthropics/claude-plugins-official |
| remember | Persists session state so the next conversation picks up with full context — buffer, daily, recent, archive | thedotmack/claude-mem |
- Clone or download the skill folder from GitHub.
- Open
SKILL.md— everything below the YAML frontmatter is plain English instructions. - Paste those instructions into your tool's system prompt, or reference the file directly: "Follow the instructions in
skills/gdpr-compliance/SKILL.mdwhen reviewing this code." - If the skill bundles scripts (Python, shell), they run on your machine regardless of which model called them.
You lose Claude's automatic "decide when to invoke" behaviour — other models will treat the skill as a suggestion rather than an imperative. Tell them explicitly when to use it.
Section 04
What Does AI Actually Cost?
Real examples with real numbers. Spoiler: it's probably less than you think.
1,000 tokens ≈ 750 words. A typical email is about 200–400 tokens.Weekly Event Digest
Process 20 event descriptions, generate categorised summary
Customer Email Summarizer
Process 50 emails/day, generate daily summaries
Transcribe a 1-Hour Meeting
Whisper (self-hosted): Free
Deepgram Nova-3: ~$0.46/hr
OpenAI API: ~$0.36/hr
Section 05
Low-Code Web & App Builders
Need a frontend for your AI workflow? These let you create web apps, portals, and dashboards without coding.
| Platform | Starting Price | Best For | Connects To |
|---|---|---|---|
| Softr | Free, then $49/mo | Client portals, internal tools, simple web apps | Google Sheets, Notion, Xano |
| WeWeb | Free, then €29/mo | More design control; beginner-friendly | Supabase, Xano, REST APIs |
Section 06
European AI Resources & Directories
| Resource | What It Is | Link |
|---|---|---|
| European AI Atlas | Directory of EU-made AI tools and services | aiatlas.eu |
| AI4Europe (AIoD) | EU-funded AI-on-demand platform | ai4europe.eu |
| Mistral AI | Leading European LLM provider 🇫🇷 | mistral.ai |
| Infomaniak | Swiss hosting with built-in AI tools 🇨🇭 | infomaniak.com |
| Luxinnovation | Luxembourg's national innovation agency | luxinnovation.lu |
Section 07
Learning Resources
| Resource | What You'll Learn | Format |
|---|---|---|
| Elements of AI | The fundamentals of AI — what it is, how it works, where it's going | Free online course 🇫🇮 |
| promptingguide.ai | How to write effective prompts | Free online guide |
| n8n.io/courses | Building workflows in n8n | Free video courses |
| CI Newsletter | Curated AI news for business | Daily email |
| crystallized.lu/gems | AI concepts explained simply | Blog posts |
| make.com/academy | Make platform tutorials | Free courses |
| Mistral AI Docs | Using Mistral's models and API | Documentation |
Section 08
Quick Decision Guide
Pick what you want to do, get a starting point.
"I want to automate a repetitive task" Make or n8n + an AI model
Start by picking a single task that's eating your time — sorting incoming emails, tagging leads, copying data between Google Sheets and your CRM, generating weekly reports. Don't try to automate everything at once.
In Make or n8n, you build the workflow visually: a trigger (new email, form submission, scheduled time) → a processing step that calls an AI model to classify, summarize, or draft → an action (update the sheet, send a Slack message, file the document). Make is friendlier for beginners and has EU data centres. n8n gives you more control and can be self-hosted on your own EU server for full data sovereignty.
Both have free tiers that are enough to get started. A typical first workflow takes 30–60 minutes to build and saves several hours per week from day one.
Non-technical shortcut: you can ask an AI chat (Claude.ai or Mistral Le Chat) to build the whole workflow for you as an importable JSON file. Describe in plain English what you want — what triggers it, what data to pull, what the AI should do with it, where the result goes — and ask for the finished n8n JSON. Then in n8n: open a new workflow → click the ⋯ menu → Import from File (or paste the JSON directly onto the canvas). The entire workflow appears with nodes pre-wired, ready for you to plug in your credentials.
Example prompt you can copy, paste, and adapt:
I want to build a workflow in n8n that helps me keep track of what's happening in Luxembourg's networking scene, so I don't have to check the Network website every week.
Here's what I'd like it to do:
- Go to https://thenetwork.lu/events/events-calendar/ and grab the page.
- Pull out the useful bits for each event — the title, date, time, whether it's online or in person, where it is, a short description, and the link.
- Send those events to an AI model to sort and summarise them into a weekly digest aimed at busy small business owners. I'd like the events grouped into three buckets:
🔥 High relevance — technology, leadership
📋 Worth knowing — workshops, training, networking
😸 Fun — drinks and aperos- Email the digest to me via Gmail.
A few setup notes:
- I'm using n8n cloud.
- For the AI step, I'm calling Mistral through OpenRouter, with Bearer token auth. The model is
mistral-medium-3.- I am non-technical. I need everything as set up as possible with clear instructions on how to attach my OpenRouter and Gmail credentials.
- Please use as few steps as possible. Simplify where it makes sense.
- Please give me the finished workflow as a JSON file I can import straight into n8n.
"I want to summarize or draft content" Mistral Le Chat (free) or Claude.ai
Both are free chat interfaces with no setup — open the link in your browser, sign up, and start typing. Paste your text and describe what you want: "summarize in 3 bullets," "rewrite in a formal tone," "extract the action items from this meeting."
Mistral Le Chat is EU-hosted in France, GDPR-native, and fastest for European languages (French, German, Spanish, Italian, etc.). Claude.ai is stronger for nuanced writing, long documents (up to 200,000 words in one prompt), and structured reasoning tasks like reviewing contracts or analyzing spreadsheets.
The free tiers are enough for occasional use. Paid plans (~€20/month) unlock the most capable models, longer documents, and higher daily limits.
"I want to transcribe meetings" Whisper (free) or Deepgram
You have three realistic routes, depending on how technical you want to get and whether the recording needs to stay private:
1. Free, on your own computer (most private): Install Whisper locally. Technical users run it as a Python command (whisper recording.mp3 --model medium.en). Non-technical users can use a friendly desktop app like MacWhisper (Mac) or Buzz (Mac/Windows/Linux) — drag, drop, transcribe. Nothing ever leaves your device.
2. Free through a chat tool: Upload the audio to Mistral Le Chat or Claude.ai and ask it to transcribe and summarize in one step. Fastest for one-off recordings — but the audio leaves your device.
3. Paid API (best for high volume or live): Deepgram Nova-3 is faster, more accurate with accents, and supports real-time captions. Around €0.40/hour — call it from Make or n8n in an automated pipeline.
"I want to read & process documents" Mistral OCR or Google Document AI
For one-off scans or simple PDFs: upload the file to Mistral Le Chat or Claude.ai and ask for the extracted text, tables, or specific fields. Free, instant, no setup.
For automated pipelines (invoices arriving daily, an archive of documents to digitize, contracts to process): call the Mistral OCR API from a Make or n8n workflow. It handles complex layouts, tables, and multi-language documents in one pass. EU-hosted.
For structured field extraction (invoice number, VAT, dates, line items into a database): Google Document AI has pre-trained "processors" for invoices, receipts, IDs, and forms. Azure Document Intelligence is the comparable Microsoft offering — strongest for forms.
"I want to build a client portal" Softr with built-in tables
Softr lets you ship a login-protected client portal in an afternoon. Use their built-in database (no separate tool needed) or connect an existing Google Sheet, Airtable, or Notion workspace. Out of the box you get user authentication, per-client content, file uploads, forms, and a clean mobile-friendly design.
The free tier covers small portals. The €49/month plan unlocks custom domains, more users, and payment gating. If you want more design control or custom interactions, WeWeb is the next step up — still no-code, but closer to a full web framework.
Typical starter build: client login → dashboard with their projects/invoices → file upload area → contact form. One afternoon, zero code.
"I want to stay GDPR-compliant" EUrouter or Requesty EU + Mistral
Two practical rules: keep the data inside the EU, and prefer EU-hosted models.
Route your API calls through EUrouter or Requesty EU instead of OpenRouter. Both are Frankfurt-hosted with zero cross-border transfer — meaning your customer data never touches US servers, even in transit.
Pick Mistral models as your default. French-hosted, GDPR-native, and competitive on quality. Reserve US-hosted models (Claude, GPT) for tasks that don't involve personal data, or only after you have a signed DPA in place.
Document it. Add your AI tools to your processing register (GDPR Art. 30), note where each provider hosts data, and include them in your privacy policy. For platforms like Make, choose the EU data region at setup — it's a one-click decision that's much harder to reverse later.
"I want to connect multiple AI models" Use an API router (see Section 02)
Instead of juggling separate accounts, API keys, and monthly bills with OpenAI, Anthropic, Mistral, Google, and the rest, use one router. You get a single API key, one dashboard, one invoice, and can swap between models by changing a single string in your workflow or code.
OpenRouter has the largest selection (200+ models) but is US-based. EUrouter and Requesty EU are the EU-sovereign alternatives — fewer models, but your data stays in Europe.
All are pay-per-use — no monthly fees, no minimums. You only pay for tokens actually used. For a typical small-business workload, that's usually a few euros per month.
Section 09
The Thirteen Layers of Building a Real App
Vibe coding gets you to a prototype quickly. Shipping it to real users is the iceberg under the waterline. Here are the thirteen layers that exist whether you think about them or not — what each is, when it starts mattering, and a starter-friendly tool or pattern for each.
1. Frontend foundations
What users see and click — the HTML, CSS, and JavaScript running in their browser.
When it matters: always.
Starter pattern: React, or plain HTML for a one-pager. Pick a UI kit; don't reinvent buttons.
2. APIs and backend logic
The server code that handles requests from the frontend.
When it matters: as soon as your app does anything beyond static content.
Starter pattern: Express on Node, FastAPI on Python, or Supabase to skip writing a server.
3. Database and storage
Where data persists between sessions.
When it matters: as soon as you have users with accounts, saved content, or anything that survives a refresh.
Starter pattern: Postgres. Supabase or Neon offer Postgres as a service.
4. Auth and permissions
How users log in. Who can do what.
When it matters: the moment you have more than one user.
Starter pattern: Clerk, Auth0, or Supabase Auth. Don't roll your own.
If you must roll your own: hash passwords with bcrypt or argon2 — never plain text, never MD5/SHA. You'll also need secure session cookies (HttpOnly, Secure, SameSite), CSRF protection, a password-reset flow with single-use tokens, login rate limiting, and ideally TOTP for 2FA (otplib). That's the minimum — and why most people use Clerk.
5. Security and row-level security
Making sure user A can never read or modify user B's data, even if there's a bug elsewhere.
When it matters: the moment two users share an app.
Starter pattern: Postgres Row-Level Security (RLS) policies. Built into Supabase.
6. Rate limiting
Stopping abusive traffic — bots, brute-force login attempts, runaway scripts.
When it matters: before your first public deploy.
Starter pattern: Cloudflare's free tier, or express-rate-limit on Express.
7. Caching and CDN
Making your app feel fast for users far from your server.
When it matters: once you have international users or static assets.
Starter pattern: Cloudflare or BunnyCDN in front of your app.
8. Hosting and deployment
Where your code actually runs in production.
When it matters: the day you want anyone to use your app.
Starter pattern: Scaleway, Hetzner, or Fly.io for a real server. Vercel or Netlify for static frontends.
9. Cloud and compute
The underlying machine — CPU, RAM, disk.
When it matters: when you outgrow shared hosting or want predictable performance.
Starter pattern: a single Scaleway or Hetzner VM is enough for years for most small SaaS.
10. CI/CD and version control
Git for tracking changes. CI for running tests automatically. CD for deploying when tests pass.
When it matters: from day one for git; CI/CD when you have anyone else on the team or any tests worth running.
Starter pattern: GitHub + GitHub Actions. Sovereign alternative: self-hosted GitLab on a Scaleway or Hetzner VM, with GitLab CI built in.
11. Load balancing and scaling
Spreading traffic across multiple servers when one isn't enough.
When it matters: when you genuinely have too much traffic for one box. Most small apps never reach this.
Starter pattern: wait until you need it, then add a managed load balancer.
12. Error tracking and logs
Knowing your app is broken before users tell you.
When it matters: before your first public deploy.
Starter pattern: Bugsink (self-hosted, Sentry-compatible) for errors, or Sentry's SaaS if you don't want to host. Better Stack or Logtail for logs.
13. Availability and recovery
Backups. Restore procedures. What happens when the server dies.
When it matters: before you have a single paying customer.
Starter pattern: daily Postgres backups to Scaleway Object Storage or Infomaniak Swiss Backup. Test restoring them once a quarter.
Section 10
Six Security Questions Before You Take On Live Users
You need to be able to answer these six questions about your own product.
1. Where does the data live? EU vs. US
Picking an EU host (Scaleway, Hetzner, OVH) keeps you out of cross-border-transfer trouble. See Hosting for starter options.
2. What do you actually store? Less collected = less to leak
Audit your own forms. Don't collect a birthday you'll never use.
3. Who can see it? Authentication and access control
One sentence each on a checklist: who is logged in, what role they have, what records that role can touch. Row-Level Security in Postgres makes this enforceable, not just policy.
4. Can users get their data out — or delete it? Access, rectification, erasure, portability
GDPR in four verbs. Build a "download my data" and "delete my account" path before launch — they're easier to add early than retrofit.
5. What do you tell people you're doing? A privacy notice in plain English
Before the cookie banner. Name your sub-processors (hosting, AI APIs, email tools). Plain language beats legalese every time.
6. Are your secrets kept out of the AI? Keep .env away from your coding tool
Don't share your .env file with your AI coding tool. Keep secrets separate — or swap to real values manually before launch.
Section 11
Two Shortcuts to MVP
Some wheels aren't worth reinventing. Two shortcuts that save weeks of work.
PostProxy
One API connects you to Instagram, TikTok, LinkedIn, Facebook, and X. No per-platform OAuth, no quirks. You pay them; they handle the messy parts.
Progressive Web Apps (PWAs)
A web app that installs to a phone's home screen from the browser. Feels native. No app store, no native code, no store review. One codebase. For most small-business products, this is enough to launch.