The verdict
If you have a developer, or you are a technical founder with a repository, I'd pick Claude Code. It works inside what you already have, and your tests and reviews stay the safety net. If you have an idea, no codebase and no engineer, I'd pick Emergent to get a first working version in an afternoon, and the free plan lets you test the idea before you pay.
The risk is the same for both. Someone responsible has to check authentication, access rules and anything that touches payments or personal data before real users arrive. Do not treat a generated app as finished.