docs: add 6 FTE concept cards

- agent-as-graduate: onboarding metaphor and teaching threshold
- three-learning-carriers: memory/skill/workflow framework
- switching-cost-process-knowledge-as-moat: process knowledge as moat
- opc-why-fte-agents-matter-most: why OpenClaw bets on FTE
- fte-maturity-threshold: who can onboard an agent
- fte-product-landscape: OpenClaw vs Claude Code vs Hermes

.cards/fte-product-landscape.md

@@ -0,0 +1,23 @@
+---
+title: "FTE Product Landscape — OpenClaw, Claude Code, Hermes"
+created: "2026-06-07"
+source: "openclaw-xiaomo"
+tags: [concept, comparison]
+category: "product"
+links:
+  - vendor-vs-fte-who-defines-capability
+  - three-learning-carriers
+  - fte-maturity-threshold
+  - agent-as-graduate
+---
+
+2026 年中，FTE 型 agent 的代表产品对比：
+
+**共性**：都有 memory、skill、workflow/多步协作机制，都面向技术用户。
+
+**差异点**：
+- **OpenClaw** — uwf 引擎驱动，用 YAML 定义多角色 workflow，强调流程纪律和 session 隔离。面向团队级 agent 协作。
+- **Claude Code** — Anthropic 官方 CLI agent，CLAUDE.md 作为 memory，skill 通过项目约定积累。单 agent 深度协作，开发者体验好。
+- **Hermes** — 跨平台 agent 协调者，memory/skill/cron 体系完善，支持多 agent 调度。偏个人效率工具。
+
+三者都谈不上成熟。成熟的标志不是技术完备度，而是**非技术用户能否用起来**。