The difference being they add something meaningful which most AI SaaS apps don't (they have a UI that's not any better than the original chatbots and simply have a system prompt that does something -- which the user could easily enter in their own chatbot through custom instructions and whatnot).
Every software product is a wrapper of sorts and necessarily masks the some functionality of the ingredients it's made from in order to provide a productive interface.
[0] I know there are other kinds of AI but that's not what people mean when they say AI app now, for better or worse.