{"id":5788,"date":"2026-11-11T16:41:01","date_gmt":"2026-11-11T19:41:01","guid":{"rendered":"https:\/\/nextage.com.br\/blog\/?p=5788"},"modified":"2026-11-11T16:41:01","modified_gmt":"2026-11-11T19:41:01","slug":"saas-business-models-multi-tenant-architecture-and-when-to-build-your-own","status":"publish","type":"post","link":"https:\/\/nextage.com.br\/blog\/en\/saas-business-models-multi-tenant-architecture-and-when-to-build-your-own\/","title":{"rendered":"SaaS: Business Models, Multi-Tenant Architecture, and When to Build Your Own"},"content":{"rendered":"<p dir=\"ltr\">Building a SaaS (software as a service) product to sell is a decision that combines three choices: how the product charges, how the architecture isolates customers, and whether the company can sustain the product over time. This guide is for CTOs, product directors, and technology leaders who are considering building their own SaaS, not for those looking to buy one.<\/p>\n<p dir=\"ltr\">The thread running through it is simple: the pricing model defines what the architecture must measure and isolate, and the two together define whether it is worth building, adapting an existing platform, or walking away. By the end, you will have five questions to guide that decision and a four-phase roadmap to get started.<\/p>\n<p dir=\"ltr\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-5789\" src=\"https:\/\/nextage.com.br\/blog\/wp-content\/uploads\/2026\/11\/man-interacting-with-saas-cloud-computing-interface-1.jpg\" alt=\"Professional in a blue shirt touches a translucent screen showing SaaS (Software as a service) with cloud, code and gear icons\" \/><\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">What Is SaaS?<\/h2>\n<p dir=\"ltr\">SaaS (software as a service) is a model in which the customer accesses an application over the internet, maintained by the vendor, usually through a subscription, without installing the software or managing the infrastructure. The vendor handles hosting, updates, security, and availability; the customer uses the product.<\/p>\n<p dir=\"ltr\">It helps to distinguish SaaS from two neighboring cloud layers:<\/p>\n<div dir=\"ltr\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Model<\/th>\n<th scope=\"col\">What the vendor delivers<\/th>\n<th scope=\"col\">Typical use<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>IaaS (infrastructure as a service)<\/td>\n<td>Servers, network, and storage<\/td>\n<td>Teams that build their own platform on rented infrastructure<\/td>\n<\/tr>\n<tr>\n<td>PaaS (platform as a service)<\/td>\n<td>An environment to develop and run applications<\/td>\n<td>Teams that develop without managing servers<\/td>\n<\/tr>\n<tr>\n<td>SaaS (software as a service)<\/td>\n<td>The finished application, accessed by browser or API<\/td>\n<td>End users of the product<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p dir=\"ltr\">If your question is whether your company should buy a ready-made SaaS or develop custom software for internal use, that is a different decision. Here, the focus is on those who build a SaaS product to offer to the market.<\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">SaaS Business Models: How Pricing Works<\/h2>\n<p dir=\"ltr\">The pricing model is the first architecture decision, even though it looks like a commercial one. Charging per user requires profile management for each customer; charging by consumption requires accurate measurement of each customer\u2019s usage. The more sophisticated the pricing, the more the architecture must record, isolate, and attribute to each customer.<\/p>\n<p dir=\"ltr\">The table below links each model to what it demands from the architecture. It is an editorial reading by NextAge, consistent with what billing vendors such as <a href=\"https:\/\/metronome.com\/blog\/saas-pricing-models-guide\" target=\"_blank\" rel=\"noopener\">Metronome<\/a> and <a href=\"https:\/\/www.salesforce.com\/sales\/revenue-lifecycle-management\/subscription-pricing\/?bc=OTH\" target=\"_blank\" rel=\"noopener\">Salesforce<\/a> say about usage measurement and billing infrastructure; it is not measured data.<\/p>\n<div dir=\"ltr\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Model<\/th>\n<th scope=\"col\">How it charges<\/th>\n<th scope=\"col\">Fits when<\/th>\n<th scope=\"col\">What it requires from the architecture<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Flat subscription<\/td>\n<td>Monthly or annual fee per plan<\/td>\n<td>The product is simple and value is uniform<\/td>\n<td>Plan and access control<\/td>\n<\/tr>\n<tr>\n<td>Tiered<\/td>\n<td>Plans with different features<\/td>\n<td>Customers have distinct needs<\/td>\n<td>Feature control per plan; possible isolation per tier<\/td>\n<\/tr>\n<tr>\n<td>Per seat<\/td>\n<td>Fee per active user<\/td>\n<td>Value grows with the number of people<\/td>\n<td>User and role management per customer<\/td>\n<\/tr>\n<tr>\n<td>Usage-based<\/td>\n<td>Fee per consumption (calls, volume, credits)<\/td>\n<td>Cost and value vary widely by customer<\/td>\n<td>Usage metering per customer and billing integration<\/td>\n<\/tr>\n<tr>\n<td>Hybrid<\/td>\n<td>Fixed base plus consumption or seats<\/td>\n<td>B2B product with customers of different sizes<\/td>\n<td>The requirements above, plus unified billing infrastructure<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3 dir=\"ltr\" aria-level=\"6\">Per-Seat, Usage-Based, and Hybrid Pricing<\/h3>\n<p dir=\"ltr\">Per-user pricing was the market standard for a long time. Usage-based pricing tracks the real cost of products with variable consumption, such as those that embed artificial intelligence. The hybrid model combines a recurring base with a variable component.<\/p>\n<p dir=\"ltr\">According to <a href=\"https:\/\/metronome.com\/blog\/saas-pricing-models-guide\" target=\"_blank\" rel=\"noopener\">Metronome<\/a>, the hybrid model offers predictable base revenue with room for expansion, but legacy billing systems often need engineering work to measure usage. <a href=\"https:\/\/userpilot.com\/blog\/saas-pricing-models\/\" target=\"_blank\" rel=\"noopener\">Userpilot<\/a> describes hybrid pricing (per user plus credits) as the most common model in 2026. Both are vendors in this space, so their reading reflects the perspective of companies that sell in this market; treat it as a sign of a trend, not as a measurement.<\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">Multi-Tenant Architecture: What It Is and Why It Matters<\/h2>\n<p dir=\"ltr\">Multi-tenant architecture is a model in which several customers (tenants) use the same application and the same infrastructure, with data and contexts isolated from one another. A tenant is a customer of the SaaS, usually a company, with its own users, data, and settings.<\/p>\n<p dir=\"ltr\">The gain is economic: costs, updates, and operations are shared, and a fix released once reaches every customer. The risk is isolation: a design flaw can expose one customer\u2019s data to another, or let a high-consumption customer degrade the experience of the others (the so-called \u201cnoisy neighbor\u201d). <a href=\"https:\/\/www.redhat.com\/en\/topics\/cloud-computing\/what-is-multitenancy\" target=\"_blank\" rel=\"noopener\">Red Hat<\/a> and <a href=\"https:\/\/www.ibm.com\/think\/topics\/multi-tenant\" target=\"_blank\" rel=\"noopener\">IBM<\/a> offer accessible definitions if you want to go deeper into the concept.<\/p>\n<h3 dir=\"ltr\" aria-level=\"6\">Silo, Pool, and Bridge<\/h3>\n<p dir=\"ltr\">AWS\u2019s <a href=\"https:\/\/docs.aws.amazon.com\/wellarchitected\/latest\/saas-lens\/bridge-model.html\" target=\"_blank\" rel=\"noopener\">Well-Architected Framework (SaaS Lens)<\/a> organizes isolation patterns into three categories. The <a href=\"https:\/\/docs.aws.amazon.com\/solutions\/multi-tenant-architectures-on-aws\/\" target=\"_blank\" rel=\"noopener\">AWS Guidance for Multi-Tenant Architectures<\/a> applies the same logic to the database, with the same trade-off between isolation, cost, and complexity. The three terms are:<\/p>\n<ul dir=\"ltr\">\n<li><strong>Pool:<\/strong> resources shared among tenants; isolation is enforced by the application.<\/li>\n<li><strong>Silo:<\/strong> resources dedicated to each tenant (database, compute, or both).<\/li>\n<li><strong>Bridge:<\/strong> a combination of the two, by system layer or by customer type.<\/li>\n<\/ul>\n<div dir=\"ltr\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Model<\/th>\n<th scope=\"col\">What it is<\/th>\n<th scope=\"col\">Advantage<\/th>\n<th scope=\"col\">Cost and risk<\/th>\n<th scope=\"col\">Fits when<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Pool<\/td>\n<td>Shared resources; isolation by the application<\/td>\n<td>Lowest cost and simpler operation<\/td>\n<td>Risk of leakage between tenants if the code fails; \u201cnoisy neighbor\u201d<\/td>\n<td>Many small customers and moderate compliance requirements<\/td>\n<\/tr>\n<tr>\n<td>Silo<\/td>\n<td>Dedicated resources per tenant<\/td>\n<td>Strong isolation and per-customer customization<\/td>\n<td>Higher cost and operational effort<\/td>\n<td>Few large customers or contractual isolation requirements<\/td>\n<\/tr>\n<tr>\n<td>Bridge<\/td>\n<td>Combines both<\/td>\n<td>Balance; gradual evolution<\/td>\n<td>More design complexity<\/td>\n<td>Customers of different sizes; mature product<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p dir=\"ltr\">In practice, bridge is the most common design in B2B products with a diverse customer base. AWS\u2019s own <a href=\"https:\/\/aws.amazon.com\/solutions\/guidance\/multi-tenant-architectures-on-aws\" target=\"_blank\" rel=\"noopener\">solution page<\/a> describes an example: isolated infrastructure for high-traffic customers and shared infrastructure for the rest. <a href=\"https:\/\/docs.aws.amazon.com\/prescriptive-guidance\/latest\/saas-multitenant-managed-postgresql\/partitioning-models.html\" target=\"_blank\" rel=\"noopener\">AWS Prescriptive Guidance<\/a> shows the same three models applied to relational databases and concludes that the best method depends on the SaaS requirements.<\/p>\n<p dir=\"ltr\">A note on terminology: at AWS, \u201csilo\u201d means isolation within a multi-tenant SaaS (each tenant with its own resources, but still managed by the same platform). That differs from pure single-tenant, covered next.<\/p>\n<h3 dir=\"ltr\" aria-level=\"6\">Multi-Tenant vs. Single-Tenant<\/h3>\n<p dir=\"ltr\">In multi-tenant, customers share the application; in single-tenant, each customer has its own instance of the software, with more isolation, more customization, and higher operating cost. Many products start multi-tenant to gain scale and offer a dedicated option to customers who require contractual isolation, which in practice approaches the bridge model.<\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">What to Decide Before Writing Code<\/h2>\n<p dir=\"ltr\">Six architecture and business decisions need to be made before the first commit, because fixing them later is expensive. The list below is an editorial synthesis by NextAge, useful as a discussion roadmap among product, technology, and legal teams.<\/p>\n<ol dir=\"ltr\">\n<li><strong>Data isolation:<\/strong> which model (pool, silo, or bridge) meets the requirements of the first customers and allows evolution without rewriting the product.<\/li>\n<li><strong>Identity and permissions per tenant:<\/strong> how users, roles, and access are organized within each customer, including corporate sign-in.<\/li>\n<li><strong>Metering and billing:<\/strong> what will be measured (users, consumption, resources), where the data is recorded, and how it feeds billing, according to the chosen pricing model.<\/li>\n<li><strong>Customer onboarding:<\/strong> how a new tenant is created, configured, and activated, preferably without manual intervention from the technical team.<\/li>\n<li><strong>Cost per tenant:<\/strong> how much it costs to serve each customer and how that compares with revenue, information that supports the choice among pool, silo, and bridge.<\/li>\n<li><strong>Compliance:<\/strong> data protection requirements (such as LGPD in Brazil or GDPR in Europe) and customer contract terms that affect where and how data is stored.<\/li>\n<\/ol>\n<p dir=\"ltr\">If these six decisions are clear, the team starts building with less risk of rework; if any is still open, it should become the first item in planning.<\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">When Building Your Own SaaS Makes Sense<\/h2>\n<p dir=\"ltr\">Building makes sense when the product is the reason customers choose your company, recurring demand has already been validated, and there is capacity to keep the product running after launch. Outside that scenario, adapting an existing platform or not building at all is usually the more rational choice.<\/p>\n<p dir=\"ltr\">Build-versus-buy decision guides converge on one point. <a href=\"https:\/\/www.codestringers.com\/articles\/build-vs-buy-software-decision-framework\" target=\"_blank\" rel=\"noopener\">Codestringers<\/a> proposes six dimensions (differentiation, product fit, total cost, time to value, internal capacity, and compliance) and the rule of building the core and buying the context. <a href=\"https:\/\/www.baytechconsulting.com\/blog\/build-vs-buy-strategic-framework-2025\" target=\"_blank\" rel=\"noopener\">Baytech<\/a> reduces the question to whether the capability is a market differentiator or a commodity. <a href=\"https:\/\/raftlabs.com\/blog\/build-vs-buy\" target=\"_blank\" rel=\"noopener\">RaftLabs<\/a> observes that successful teams build one differentiator at launch and buy the rest. These sources come from software companies with a commercial interest in the topic; the reading below is an editorial proposal by NextAge built on those ideas.<\/p>\n<h3 dir=\"ltr\" aria-level=\"6\">Five Questions to Decide<\/h3>\n<ol dir=\"ltr\">\n<li><strong>Is the product the reason customers choose your company?<\/strong> If it is a market differentiator, building makes sense; if it is a commodity, adapt or buy.<\/li>\n<li><strong>Is there validated recurring demand?<\/strong> Without paying customers or pilots, the first step is a lean initial version, not the full platform.<\/li>\n<li><strong>Does the team have product and operations capacity?<\/strong> A SaaS requires continuous operation (monitoring, support, updates), not just development.<\/li>\n<li><strong>What are your customers\u2019 isolation and compliance requirements?<\/strong> High requirements push toward silo or bridge, which raises cost and timeline.<\/li>\n<li><strong>What are the horizon and budget?<\/strong> Building the core and buying the rest (authentication, payments, billing) reduces the initial scope.<\/li>\n<\/ol>\n<h3 dir=\"ltr\" aria-level=\"6\">The Four Options<\/h3>\n<div dir=\"ltr\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Option<\/th>\n<th scope=\"col\">Fits when<\/th>\n<th scope=\"col\">Main risk<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Build from scratch<\/td>\n<td>The product core is a differentiator and there is budget and operations capacity<\/td>\n<td>Scope, timeline, and cost of maintenance<\/td>\n<\/tr>\n<tr>\n<td>Adapt a platform (low-code, ready-made base)<\/td>\n<td>Quick validation, or a product with few scale requirements<\/td>\n<td>Platform limits and vendor dependence<\/td>\n<\/tr>\n<tr>\n<td>White label<\/td>\n<td>Reselling a third party\u2019s product under your brand<\/td>\n<td>Little control and reduced margin<\/td>\n<\/tr>\n<tr>\n<td>Do not build<\/td>\n<td>The product is a commodity or demand has not been validated<\/td>\n<td>Losing market timing<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p dir=\"ltr\">If your assessment points to building, the next step is a team that masters the full product cycle. <a href=\"https:\/\/nextage.com.br\/servicos\/projetos-de-software\/\" target=\"_blank\" rel=\"noopener\">NextAge<\/a> works at this point with dedicated development squads, under the client\u2019s own management.<\/p>\n<p dir=\"ltr\">An illustrative example (hypothetical, unrelated to any client): a logistics company that built a route-planning system in-house considers selling it to other carriers. The answer to the first question is positive (the system is its differentiator), but the fourth changes the design: if the larger carriers require data in a separate environment, the product will need a bridge model from the start, which changes the budget and the schedule.<\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">How to Start: A Four-Phase Roadmap<\/h2>\n<p dir=\"ltr\">A SaaS is not born finished; it evolves in phases, each with a distinct goal. The sequence below is a proposed roadmap, to be adjusted to the reality of each product.<\/p>\n<ol dir=\"ltr\">\n<li><strong>Discovery:<\/strong> validate the problem, the initial customers, and the pricing model; settle any of the six decisions from the previous section that are still open.<\/li>\n<li><strong>Initial version:<\/strong> build the product core, with the chosen isolation model, and put it in the hands of a few real customers.<\/li>\n<li><strong>Product:<\/strong> expand features, automate tenant onboarding, and integrate metering with billing.<\/li>\n<li><strong>Operation:<\/strong> monitor, support, fix, and continuously evolve the product in production.<\/li>\n<\/ol>\n<p dir=\"ltr\">In the build phases, the challenge is usually execution capacity. This is where NextAge can help: the <a href=\"https:\/\/nextage.com.br\/servicos\/projetos-de-software\/\" target=\"_blank\" rel=\"noopener\">Software Projects<\/a> service brings together full-stack squads for new digital products (web, mobile, and cloud), with stages of scope planning, development, testing and validation, and continuous improvement. Decision-making stays with the client; the contract provides for an SLA, progress reports, and replacement of professionals. The first conversation has no cost or commitment and results in a proposal with the squad composition, the SLA, and the investment.<\/p>\n<p dir=\"ltr\">In the operation phase, keeping the product running can rely on <a href=\"https:\/\/nextage.com.br\/servicos\/sustentacao-ams\/\" target=\"_blank\" rel=\"noopener\">AMS Support<\/a>, a service focused on maintaining and evolving systems after launch.<\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">Frequently Asked Questions<\/h2>\n<h3 dir=\"ltr\"><strong>What is SaaS?<\/strong><\/h3>\n<p dir=\"ltr\">Software as a service: the customer accesses over the internet an application maintained by the vendor, usually through a subscription, without installing or managing the infrastructure.<\/p>\n<h3 dir=\"ltr\"><strong>What is multi-tenant architecture?<\/strong><\/h3>\n<p dir=\"ltr\">It is a model in which several customers (tenants) use the same application and the same infrastructure, with data and contexts isolated from one another.<\/p>\n<h3 dir=\"ltr\"><strong>What is the difference between multi-tenant and single-tenant?<\/strong><\/h3>\n<p dir=\"ltr\">In multi-tenant, customers share the application; in single-tenant, each customer has its own instance, with more isolation and higher operating cost.<\/p>\n<h3 dir=\"ltr\"><strong>What are the silo, pool, and bridge models?<\/strong><\/h3>\n<p dir=\"ltr\">They are three isolation patterns described by AWS in the <a href=\"https:\/\/docs.aws.amazon.com\/wellarchitected\/latest\/saas-lens\/bridge-model.html\" target=\"_blank\" rel=\"noopener\">SaaS Lens<\/a>: silo (dedicated resources per tenant), pool (shared resources), and bridge (a combination of the two).<\/p>\n<h3 dir=\"ltr\"><strong>What are the SaaS pricing models?<\/strong><\/h3>\n<p dir=\"ltr\">Flat subscription, tiered, per seat, usage-based, and hybrid (fixed base plus consumption). Industry vendors such as <a href=\"https:\/\/userpilot.com\/blog\/saas-pricing-models\/\" target=\"_blank\" rel=\"noopener\">Userpilot<\/a> point to hybrid as the most common in 2026.<\/p>\n<h3 dir=\"ltr\"><strong>When does it make sense to build your own SaaS?<\/strong><\/h3>\n<p dir=\"ltr\">When the product is a market differentiator, there is validated recurring demand, and the company has product and continuous operations capacity.<\/p>\n<h3 dir=\"ltr\"><strong>What should you decide before you start building?<\/strong><\/h3>\n<p dir=\"ltr\">Data isolation, identity and permissions per tenant, metering and billing, customer onboarding, cost per tenant, and compliance.<\/p>\n<h2 dir=\"ltr\" aria-level=\"5\">Next Step<\/h2>\n<p dir=\"ltr\">Deciding to build a SaaS means taking on a product, not just a project. If your analysis already points that way and you need a team to get the product off the ground, <a href=\"https:\/\/nextage.com.br\/servicos\/projetos-de-software\/\" target=\"_blank\" rel=\"noopener\">talk to NextAge about Software Projects<\/a>.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is SaaS?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Software as a service: the customer accesses over the internet an application maintained by the vendor, usually through a subscription, without installing or managing the infrastructure.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is multi-tenant architecture?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It is a model in which several customers (tenants) use the same application and the same infrastructure, with data and contexts isolated from one another.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between multi-tenant and single-tenant?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"In multi-tenant, customers share the application; in single-tenant, each customer has its own instance, with more isolation and higher operating cost.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the silo, pool, and bridge models?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"They are three isolation patterns described by AWS in the SaaS Lens: silo (dedicated resources per tenant), pool (shared resources), and bridge (a combination of the two).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the SaaS pricing models?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Flat subscription, tiered, per seat, usage-based, and hybrid (fixed base plus consumption). 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This guide is for CTOs, product directors, and technology leaders who are considering building their own SaaS, not for<\/p>\n","protected":false},"author":5,"featured_media":5789,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[261],"tags":[],"class_list":["post-5788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-innovation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SaaS Architecture: When to Build Your Own Multi-Tenant SaaS - NextAge Blog<\/title>\n<meta name=\"description\" content=\"Understand multi-tenant architecture (silo, pool and bridge), SaaS pricing models and the 5 questions to decide when it is worth building your own.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nextage.com.br\/blog\/en\/saas-business-models-multi-tenant-architecture-and-when-to-build-your-own\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SaaS Architecture: When to Build Your Own Multi-Tenant SaaS - 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